Can I get a credit card with a pre-approved limit? Effective card application strategy

Many cardholders don't know much about the pre-approval limit of credit cards. They thought they could get the certificate if they had a quota, but they were severely hit by reality. Either the card application is rejected, or the card approval amount is different from the pre-approval amount. So, what is the use of this pre-approval quota? What can I do to get rid of the card? Let me introduce it to you.

Before we get to the point, let's know what the pre-approval quota is.

Pre-approval limit generally refers to an estimated credit card limit, which can be found through mobile banking, WeChat official account and online banking. You have a bank account, but you didn't apply for another credit card. This limit is evaluated according to your general situation.

However, not all banks have pre-approved quotas. China Industrial and Commercial Bank, Agricultural Bank, Ping An Bank and China Construction Bank are known. Among them, CCB has more pre-approval quotas, except for credit cards, such as car purchase by installment, installment payment and housing finance.

So, can a credit card issue a pre-approval amount?

The answer is no, just because the credit card has a pre-approval limit does not mean that it can be issued 100%, nor does it mean that the credit card issuance limit is the same as the pre-approval limit, and ultimately the approval result of the bank shall prevail.

However, this does not mean that pre-approved quotas are useless. Relatively speaking, if the pre-approval amount can be increased, it will be helpful to get the certificate. If nothing else, it will increase the support rate more or less. If you add some card handling skills, it will be easier to approve cards.

By the way, how can I get a card easily when there are approval restrictions?

1. Check the credit information before handling the card to see if there is any overdue bad credit. It would be better if there is no overdue. Of course, there are also one or two overdue and the overdue time is not long. You'd better pay back the money you owe before you apply for a card. Don't try again if the overdue situation is serious.

2. No matter how you check the pre-approved amount, you can apply for this card. For example, you checked the pre-approval quota through the official account of CCB WeChat, and applied for the card on the official account of CCB WeChat.

3. In terms of card selection, it is best to apply in the card types introduced by the system, or apply for some waterproof card types and card types, such as supermarket co-branded cards and video credit cards. General approval is relatively loose.

4. Don't forget to optimize the personal data packaging of online card application. In addition to basic information such as income, work unit and address, it is best to change the relevant information on Alipay, WeChat and Meituan to be consistent.

To sum up, credit cards have a pre-approval limit, which means that they can be issued at 100%. Even though the card issuing limit may be different from the pre-approved limit, the final result will still be subject to the approval of the bank. The bank's approval of credit cards mainly depends on the individual's credit status. Therefore, under what circumstances, the application card should be optimized according to the individual's situation, which is the key to whether it can be issued.