Apply for a credit card (for overdraft cards)

All of the following discussions are in the Shanxi region. Other regions may be different:

Credit cards can be divided into two types: Credit card and quasi-credit card. Currently, most of them are credit cards, which are basically not commonly used. You can go to Baidu to verify the concept of the two.

The credit card of the four major state-owned banks is relatively difficult to implement. Even if the credit card is used, it is relatively small. Because the credit card has a credit card, you can make an overdraft first and then make a payment, if you don't pay back, it will become a bad debt for the bank. The bank is an enterprise and not a charity. Therefore, no one is stupid. The bank will always issue cards to people with good credit and repayment ability. The overdraft card of a joint-stock bank is relatively easy to handle. You can use a card. If you have a credit card from another bank, you can apply for a joint-stock credit card. It is very flexible and generally provides on-site services, very thoughtful.

Credit cards are intended for people with jobs. What should I do if I don't have a job? It is recommended that you apply for an auxiliary card. If you have a credit card, you can apply for an auxiliary card through your parents and spouse. This is very convenient.

If your family does not have a credit card, you cannot use this channel to apply for a credit card. You can use other methods to obtain a credit card.

For example, you can apply for a public credit card version of ICBC, which has a relatively low quota and is suitable for college students. During the university period, you can accumulate a certain amount of credit. Generally, the public credit card has a maximum of 2000 quota.

Gradually increase your credit limit, value credit, and timely repayment. Otherwise, it will have adverse effects on future house purchasing loans and car purchasing loans.

When you ran the card last time, I heard from the Bank of Communications's mm saying that if you entered the information as married, you will receive extra points and the quota will be higher. I don't know if it is true.