SMS Withdrawal Seconds Rejection

If you want to do a good job, you must sharpen your tools first!

One day a year ago, I took my apprentice to apply for a credit card of China Construction Bank, but it was rejected in a gorgeous second, so I was not in the category of quality customers, so I made up my mind to tear down China Construction Bank!

I read some raiders and made some preparations in advance.

As we all know, construction is a no-no, it should not exceed six lines, so if it can be reduced to six lines, it should be reduced to six lines as much as possible. If not, try to wait for the right time and make other preparations. Maybe it will come down.

Start to get into the text, say it directly, and don't be too wordy.

My preparations before applying for the card in actual combat: 1. In terms of credit report.

1, multi-line and multi-card cleaning

I used to have eight lines at most. For construction, four lines were deleted and simplified into four lines. After waiting patiently for half a year, all credit information will be collected simultaneously.

After streamlining, there are 4 lines and 7 cards left, including 2 for Auntie (credit information display 2), 2 for Laonong (credit information display 2), 2 for Ping An (credit information display only shows 1 RMB account) and Guangfa 1.

Generally, it takes 2 ~ 3 months from the start of card processing to synchronization to credit reporting (it usually takes about 45 days from the start of card processing to the official card processing, and it usually takes 1 ~ 2 months to synchronize credit reporting after the official card processing, depending on the card processing level and the bank card cancellation speed, which may even be as long as half a year! Special circumstances, such as aunt's line, only call. If you don't cancel the card at the outlet, it will take at least 1 year to cancel the card ...)

2. Clean up the loan.

No card loan for half a year (try to keep 1 ~ 3 months before applying for CCB credit card).

3, bill classification

In recent months, other credit cards have consciously reduced the bill amount (controlling the overall debt).

In other words, the cards of other banks will be paid in part before the bill is issued and within one week after the bill is issued.

0 bills are rarely done, and low bills are done more. The disadvantage is that the utilization rate of funds is not high, which is a difficult point for card friends who need capital turnover.

Second, bank relations.

Move bricks! (In fact, it is just a pre-trial)

10 ~ 15 bricks, don't move 10 bricks, buy quick profits and Jiashi ultrashort (Jiashi pays points for dragons made by stars, so I won't elaborate on them in this post). It may be easier to have pre-approval, but it doesn't matter much if you don't.

If you have bricks to move, you can walk around for the night without bricks. The organic settlement card is bound to the savings card, which has many relations with the bank and helps to get rid of the card.

Be prepared in front, and after pre-examination and wholesale (try to brush out pre-approval and personal suggestions), it is best to apply at the counter of the outlet.

It's simple. Just bring your citizen card. Ask the staff and say, of course, the staff may recommend other cards to you. It's up to you to stick to yourself or follow the recommendation of the staff. I insist on paying.

After filling in the information, just let the staff authorize it, step by step, without difficulty.

After that, the machine will issue a receipt. You can go with your good citizen card and receipt.

If you have done a good job in preparation, you will usually get a text message as soon as you walk to the door, and the result will come out within a few seconds. I believe that with so much preparation ahead, the probability of second batch will be greater. If there is a second refusal, analyze your own situation.

Third, be mindful.

This is for people who are dissatisfied with the credit limit, such as my situation.

1, use the card no more than 2 times in a short time.

Repeated exertion is not recommended. There is no need to push it many times in a row.

If it still doesn't come down after two pushes, first analyze the reasons, find the problem and solve it, and then wait 1 ~ 2 months before applying.

2. How much credit does this card accept?

This is also related to how much preparatory work has been done, just like the previous preparatory work was to plant fruit trees, and now Shenka is to harvest fruits.

Pay more and get less, that won't do.

After all the preparations were completed, I went to the outlet machine and approved 27K per second, which was lower than my expected quota, and the minimum quota of my four lines exceeded this point. I definitely won't accept this quota, so I chose not to activate it, and continued to apply for 2 cabbages on the same day, taking the card-free channel, so that I could manually review it. Although manual operation is slow, it is more flexible than the system, and I believe I can get more quotas.

The expected limit is 40K, but I didn't expect to get a 56K card, and it will become the second limit card. This is also the advantage of manual audit, which has a probability curve, but the disadvantage is that the audit is slow.

Fourth, digression.

Tell me something about low credit cards.

I understand now. After applying for a bank card, it is found that the amount is low and it is not activated.

Once activated, it means that you recognize this quota, especially a few K cards, which are difficult to raise.

Not to mention whether it can be raised, even if it is raised, it will take time.

Instead of wasting time on this, it is better to apply for a second card or simply not activate the cancellation, and then apply for other cards of the bank in a few months.

Look at the picture. First activate the next two cards and Barbie White, then activate PayWhite, and then equalize the amount of PayWhite.

Finally, talk about the withdrawal method of CCB!

1, cash installment

CCB APP- Credit Card-Cash Installment-Application Amount

If you see the scarlet letter "We will synchronize your credit card permanent limit", and the maximum installment limit is greater than the fixed limit. (Disagree with the application)

Note: the amount raised by this method is not large, but it is good to raise 1 10,000 to 20,000 yuan. If there is a red reminder and the amount cannot be raised successfully, it may be that there is something wrong with the credit investigation.

2. Dot feed method.

Take the materials to the outlet, and the staff will help you deal with them and wait for good news.

3. SMS withdrawal method (temporary amount)

The last four digits of CCTE# card number will be sent to 95533, and you will immediately know whether you can withdraw money.

4. Method of withdrawing card amount

CCB attaches great importance to the number of consumer transactions, whether large or small, which exceeds 10 every month, and its liabilities are controlled within 50%, and it shall be phased appropriately.

CCB likes to spend money abroad, and participating in his Haitao activities will also help to increase the quota.

5. Curve extraction method

Curve card type of CCB: Barbie white under 20,000, Dabaishan under 50,000. Refer to the previous article for specific methods.

The above is my personal experience, and I hope it will be helpful to those who intend to apply for a construction card or a long-term non-payment preparation curve.