Because applying for any credit card, whether to approve the next card depends on the effective income and asset guarantee value provided by the individual during the application process, and provides guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The income and assets of deciding whether to issue a credit card are fixed both online and offline. Therefore, online application for Taobao's credit card is the same as offline application, and there is no difference between bitterness and ease.
Extended data
Credit card application is generally completed by filling in the credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.
After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant.
Baidu encyclopedia-credit card