If you owe installments, you can apply for a credit card if your credit status is good and you meet other credit card application conditions stipulated by the card-issuing bank. If the credit status of the party concerned is poor, or if there is no fixed job, stable source of income or reliable repayment guarantee, generally you cannot apply for a credit card.

In addition, in addition to online loans, your credit card big data report will also affect subsequent credit card processing. Therefore, in addition to standardizing the use of loans, you must also standardize the use of cards, and regularly search for " "Card Helper Check" will check your credit card usage details and take timely measures to remedy any abnormalities. Otherwise, the success rate of applying for a credit card in the future will be very low. Therefore, if you still have part of your installment loan outstanding, it is recommended that you do not apply for a credit card for the time being. The possibility of being denied a loan is very high.

When applying for a credit card, you mainly look at these aspects, personal credit, personal qualifications, and personal assets.

Personal credit report: Generally, as long as the personal credit report is not overdue for more than the number of times specified by the bank, each bank requires different times. There is no unified number of times. Some people say 3 times, and some people say 3 times. times, and later I saw someone who was overdue almost 10 times and got a credit card, so the number of overdues is not certain, it mainly depends on the bank.

Personal qualifications: This includes a lot of information, including personal age, gender, place of origin, household registration, education, work, and even behavioral habits, bank statements, etc., which all belong to the qualification assessment. The specifics will not be discussed in detail here.

Personal assets: This is very important. Personal assets mainly refer to real estate such as houses and cars. Of course, whether real estate and cars are mortgaged or not has little impact. But if it is the full amount, it will definitely help with the credit card approval limit. In short, as long as you have personal assets, it will be much easier to apply for a credit card.

Legal Basis

Article 9 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

The term "card-issuing business" as mentioned in these Measures refers to the card-issuing business of the card-issuing bank based on the customer's Based on the evaluation results, we will sign contracts with qualified customers to issue credit cards and provide related banking services.

Article 38 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

The card-issuing bank shall publicly and clearly inform the applicant of the application materials and basic requirements that need to be submitted. The application materials must be submitted by The applicant must sign in person and no card may be issued without the customer's knowledge or against the customer's wishes.

Article 41 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks"

The card-issuing bank shall conduct a credit investigation on credit card applicants, fully verify and completely record the applicant's valid identity, financial status and Status, consumption and credit history and other information, and confirm that the applicant has a fixed job, a stable source of income or reliable repayment guarantee.