Can I really get a card by SMS? Of course not! Teach you how to apply for a credit card manually.

Recently, many netizens have encountered such a thing: mobile phones often receive an invitation letter from the bank, which says, "You are already a platinum user of our bank, and all the qualifications meet the criteria for handling our platinum credit card. Just click on the website below to complete the processing. " Many netizens also tried to click on the website, but they were rejected. This is very puzzling: on the one hand, it says that it meets the qualifications, on the other hand, it refuses to handle it. What's going on here?

The puzzled netizen was a little angry: it was clearly written that it could be handled if it met the standards, and then my application was rejected. Isn't this playing with me? ! Indeed, this phenomenon happens from time to time. This article wants to talk to you about the secrets hidden behind this invitation message.

We believe that there is a certain business routine behind these SMS invitations, because no bank will invite them in such a hasty and casual way. After some investigation, we found that many of these short messages were not sent by banks, but by some people using the name of banks. In this case, you may have to ask again, then why do these people who send text messages in the name of the bank do such a thing? It is nothing more than profitable, and the "profitable" in this mode of operation is that these people can get the invitation of the bank to apply for a card by sending this short message.

Many banks have such a policy that if old users invite new users to apply for bank credit cards, they will get certain rewards. For example, the policy of a bank is that if you recommend 15 people to apply for a card, you can get a mobile phone, and if you recommend 60 people, you can get a laptop. Such a generous reward, without the cost of recommending new users, naturally many users will be willing to do it.

But in fact, it is not so easy to find so many new users, so many bank users will choose to use SMS for marketing, get a lot of effective information by buying personal information online, and then send messages through SMS platforms such as 106, so they are likely to be rewarded. This operation process is extremely low in cost and can affect many people at one time. As long as a few people are fooled, these users can get rewards.

In fact, similar recommendation methods do not only exist in the promotion of bank users. Recently, a treasure also copied a red envelope in a circle of friends to advertise, and all kinds of recommendation information sent in its name also entered our mobile phone. We also learned that many friends did receive similar messages. Although the face value of these red envelopes is often small, many netizens will naturally join this recommendation camp because the recommendation reward is very high, even as high as 60,000 yuan, and the cost is relatively low.

But we can't stop thinking about these events. Because if only some users do such things in order to get rewards, as long as we filter this information, the harm to our rights and interests is actually very small. But in fact, the negative impact of this incident on us is far more than that. Many of these short messages are fake websites designed in the later period, which are used to obtain personal information and then defraud us of money. We must not treat them lightly. If netizens receive similar text messages in the future, they must verify them in advance. If you accidentally enter many websites but fail to apply for a credit card, you should be alert to whether you encounter fraudulent information. If you cheat personal information and money in this way, the consequences will be unimaginable.

In fact, most of these short messages are fake, because the bank's risk control standards are very strict, and it is impossible to invite a large number of users to apply for credit cards, let alone apply for large credit cards at will. So what should we do if we want to apply for the credit card we need?

First of all, let's learn what a credit card is: a credit card, also called a debit card. It is a non-cash transaction payment method and a simple credit service. Credit card is generally a special carrier plastic card with consumer credit, which is 85.60mm long, 53.98mm wide and 1mm thick. It is issued by the bank to individuals and units, through which they can shop, spend and deposit and withdraw cash from the bank. Credit cards are issued to cardholders by banks or credit card companies according to the credit and financial resources of users. Cardholders don't need to pay cash when using credit cards, and the bills will be returned when they arrive.

After understanding these basic contents, let's take a look at some skills that need to be paid attention to in the application process and share them with you here:

Prompt 1: The applicant must provide relevant financial proof. The more stable the user's income source shown in the financial certificate, the higher the income, and the greater the possibility of applying for a large credit card.

Tip 2: When filling in the application form, there are some key issues that will have a great impact on the final application result:

1. Income item: the higher the income, the higher the corresponding bank credit score;

2. Housing: Self-owned housing allows applicants to get higher scores than their parents' housing;

3. Marital status: Married people have higher credit branches;

4. Work units: institutions, large enterprises and Fortune 500 enterprises all scored relatively high.

Finally, I need to remind you that applying for different credit card limits still needs to proceed from your own actual situation, and you must distinguish more information about inviting you to apply for a card. Generally speaking, most of the information about your 0-threshold card is fraud. Only by analyzing your financial situation rationally and having a strong ability to identify relevant information can you handle credit cards safely and securely.