Is it easy to apply for Citibank credit card?

Is Citibank credit card easy to approve?

Citibank is a foreign-controlled credit card. Although Citibank is a household name in the United States, it is a relatively unpopular commercial bank in China, and the number of credit cards issued by his family is even smaller. How about Citibank's credit card? Let's take a look.

1. Because Citibank is a foreign-funded bank, the application conditions are generally strict, and the qualification requirements for customers are also very high. Small partners who can successfully approve cards in other banks are likely to be rejected in Citibank.

2. Whether Citibank's credit card is approved depends on the applicant's own conditions: relatively speaking, it is more difficult for Citibank to apply for a card than ordinary commercial banks, and it also requires higher qualifications for customers. Mainly in the strict restrictions on the applicant's salary income, generally requiring a monthly income of more than 5,000.

That is the introduction of Citibank's credit card approval. I hope it helps you.

Is Citibank credit card easy to approve?

Citibank's credit card application requirements are quite strict and it is not easy to approve.

1. Regardless of whether your original credit card has a record of default, the applicant has a record of malicious overdraft or loan default in other banks; The applicant has a record of not paying water, electricity, natural gas or telephone charges; The applicant has a lawsuit or a bad record in the Public Security Bureau.

2. Occupational reasons: Generally speaking, catering and entertainment service personnel, front-line sales personnel, cashiers, waiters, shop assistants, direct selling industries, credit card salesmen of other banks and on-site insurance companies are all high-risk groups for credit card applications.

3. The applicant does not have the qualification to engage in the credit card issuance restriction industry; The applicant's age, working years, salary or other financial conditions have not reached the required card issuing standards; The relationship between the sub-card applicant and the main card applicant does not meet the requirements; The applicant's income, work and other comprehensive factors are unstable and the risk is high.

4. Incomplete information: incomplete application; The applicant fails to provide the basic documents; The documents provided by the applicant do not meet the approval criteria.

5. Risk groups: the applicant falsifies information or provides false information; Abnormal conditions are found in the process of credit review (the applicant has resigned or his signature is not his own); The applicant does not exist or applies under false excuses; The applicant is a high-risk customer, etc.

6. Other reasons: repeated application, cancellation of application by the applicant, etc. In short, Citibank's credit card application is usually rejected because of age, incomplete information, inaccurate information, poor credit card record and other reasons.

7. Require the applicant to be at least 18 years old, and of course the applicant must also have full capacity for civil conduct; Have a legal and stable source of income from work; The applicant requires Jujia to be located in a city with Citibank branches; The applicant's credit record should be good, and there is no record of bad card use such as overdue. It should be noted that Citibank is a foreign bank, so the requirements will be higher. The applicant's work unit must be registered for more than 3 years, with a registered capital of more than 6,543,800 yuan. Therefore, if the applicant's work unit does not meet this requirement, it is still difficult to successfully apply for Citibank credit card.

Is it difficult to apply for Citibank credit card?

Citibank credit card application conditions

I. Application conditions

Citibank credit card application conditions

(1) The main card applicant must be 18 years old and have full capacity for civil conduct; Supplementary card applicants must be at least 16 years old (inclusive).

(2) The master card applicant may apply for a supplementary card for his spouse, children or parents.

(3) The residence and company address of the main card applicant must be in the city where 13 has Citibank branch.

(4) The main card applicant must have a stable income occupation, the ability to recover, and good credit standing.

Income of the main card applicant:

(1) If the monthly salary before tax is above RMB 3,500, you can apply for a Citi gift card.

(2) If the monthly salary before tax is RMB 654.38+00,000 yuan or more, you can apply for Citibank Courtesy Platinum Card.

Second, the information needed to apply for a credit card

(1) identification: the original and photocopy of the identification documents (front and back of the ID card, Hong Kong and Macao residents' travel permits to and from the mainland, Taiwan compatriots' certificates, passports, etc.). ).

(2) proof of income

(3) proof of residence

Remarks: Providing proof of income and proof of residence will help your application to be approved.

It is not easy for Citibank to apply for a credit card. In addition to meeting the basic requirements of 18 years old, there are some hidden conditions.

Citibank credit card application has three basic conditions:

1. Applicant 18 years old;

2. The applicant has a stable income;

3. You must hold another bank's credit card for more than one year.

The first two conditions are general, and the third condition is unique to Citibank credit card, because it is necessary to examine the applicant's credit consumption through this condition. Therefore, Xiao Bai, who has never applied for a credit card, cannot apply for a Citibank credit card.

However, in addition to the above three conditions, Citibank's credit card application also has a hidden condition, that is, the applicant's unit is required to be on Citi's "quality customer list". Simply put, the unit must be registered for more than 3 years, with a registered capital of more than 654.38+0 million. It is difficult to apply for Citibank credit card if the work unit is ordinary or just established.