In our life, due to the improvement of our material living standard, there are many places where we need to spend money, but our salary can't help us solve this problem at any time, so most of us choose "credit card" to solve the problem of capital turnover, but when we apply for credit card, we always apply for too little credit limit, or we can't apply for it.

1.About credit reports

Credit is now more and more important, but there are many people ignore this problem, more and more card links appear on major websites, accidentally click in may lose their credit, many people do not care about their credit application records, and regardless of whether the random application will damage their credit.Many people will ask, what is the standard of good credit. There is a blind spot here, everyone should pay attention to the fact that if you have neither applied for a credit card, nor used an online loan, nor are you overdue, this does not mean that your qualifications are good.

2. Criteria for credit reporting:

(1) Stable work unit: It probably means not to change the work unit frequently in credit reporting

(2) Stable residential address: It is best to live in a place for a long time on the credit report, and do not change frequently.

(3) Credit card online loan application records as few as possible: This does not mean that you cannot apply for online loans, the focus is on how much to apply, if you have a lot of application records easy or higher than 1w online loan application records, the impact is very large, even the application is rejected, this situation in the banking system, is undoubtedly the type of rejection.

2. Apply for credit cards often

Many people basically have this situation, frequently apply for a credit card in a short period of time, may be successful at the beginning, but the amount is relatively small, and then want to apply for a credit card again, but the application failed. To understand a truth, the application record is delayed, may be in the first month of several consecutive applications can be successful, but from the second month, your application record will be reflected in the credit report, after you apply, the bank can see your short-term frequent application records, resulting in the failure of credit card applications.

3. Application Channels

When applying for a credit card, many people do not know how to apply for a credit card, or in other words, do not know how to apply, in fact, the application channel depends on the individual, the qualifications are different, and the quality of the credit card application is also different. Don't go to a credit card agency to apply because they apply for you just like you would apply yourself. It is all systematically reviewed and they will charge you extra for applying for a credit card. You can choose to apply at a branch and submit the relevant proof.

When we apply for a credit card, we must apply according to our actual situation to avoid applying too many times in a short period of time, if this is the case, it will lead to our application failure.

（Writer：Frid）