In fact, the bank card approval is evaluated according to the applicant's qualification, and there are many factors that affect the card approval. You can refer to a bank card approval standard circulating on the Internet, so that you know where you need to improve!
Bank evaluation criteria are mainly as follows:
I. Income
Income rating (annual income) score
Below 32,000
3-45,000 5
4.5-55,000 10
5.5-75,000 16
7.5-90,000 2 1
65438+ more than 10,000 yuan 24
Second, working hours.
Working time score
Less than 6 months 0
June-1 year 3
1.5-3 years 10
3-5 years 16
More than 5 years 2 1
Third, banks are moving.
Bank flow score
No bank running water -8
The bank has an account number of 1.
There are more than three accounts in the bank.
Payroll issuing bank 8
The applicant has 6 months to pay the interest 12.
Have a time deposit of more than one year.
Fourth, housing.
Housing situation score
Short-term lease 0
Long-term lease 2
Mortgaged house 10
Full house 16
Attribute value is less than 1 million 18.
Property value is higher than 1 10,000.24
Verb (abbreviation for verb) credit record
Credit record score
None -2
Within 3 days overdue -6
Guarantee record -4
automobile mortgage
Housing mortgage loan 10
Six, apply for credit card records
Record score of application card
None -4
/kloc-Apply for more than 3 times in 0/month -2
/kloc-3 applications within 0/month 0
Apply for 3 times in 3 months 2
On June 6th, I applied for three times.
65438+3 applications in February 10
Seven. Buy bank wealth management products
Score for purchasing wealth management products
No 0
50 thousand short-term 5
65438+100000 medium and long term10
More than 200,000 short-term 8
Over 500,000 short lines 12
1 10,000 or more short-term 20
In addition, if the following meet the standards, you can get extra points:
1, married is better than unmarried, because married is more secure and responsible.
2. Professional titles, such as passing some nationally recognized certificates, being rated as an excellent teacher at or above the district level, or winning awards in science and technology.
3. Work, civil servants, teachers, employees of state-owned enterprises in institutions are the best, followed by white-collar workers in the financial sector with higher incomes.
4. It would be better to pay the provident fund and social security if you have been in a company.
5. Can provide proof of fixed assets such as cars and houses.
6, credit, flawless, not to say that there is no record, but there are records but never overdue, and there are frequent repayment records.
7, education, the higher the better, master's degree or above the most points.