People with criminal records applying for credit cards will have an impact. Credit cards need to be comprehensively evaluated according to personal data, but the specific criminal record should be determined. Now the review of credit cards is also stricter.

A criminal record and an execution record will be displayed on the personal credit report and will not disappear for five years. Any credit card will check your credit report, so it will definitely have an impact in five years. No more than five years.

Mainly depends on the current work and income, that is, the stability and income of work and income. If you are rejected, you can call the bank to find out why. In addition, the audit of each bank is different. You can choose a good bank to handle the card. If the amount is small, you can accumulate credit.

Extended data:

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

The application method is generally by filling in a 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.

Baidu encyclopedia-credit card

Can't people who have been in prison get a credit card?

You can get a credit card.

1. If you went to prison because of finance or some special illegal occupation, which can directly affect your credit information, then naturally you can't get a credit card.

2. Imprisonment caused by criminal cases such as frequent fights and injuries will not affect our personal credit information, so it will not affect our application for credit cards.

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1. What are the reasons for refusing to apply for a credit card?

1. If the card application is rejected, I suggest you take the initiative to check your credit history to see if it is because you have a credit stain in some cases.

2. In the case of confirming that your credit information is good, carefully check whether it is because there is something wrong with one of the information you have filled in, or it does not meet the bank's card opening requirements. It is recommended that newcomers apply for ordinary cards first, and don't think about getting a gold card or even a platinum card just because they have economic foundation.

3. A problem that many people easily overlook is that they frequently inquire about their personal credit information in a short time. Although there is no lending business, the bank will also judge that your recent credit inquiry is abnormal, which may be a shortage of funds. At the same time, because you are a white account, the bank can't control one of your repayment ability, thus refusing the card.

2. Should I return my credit card after going to prison?

If you owe your credit card, you should continue to pay it after you go to prison. Credit card debt is not directly related to whether you go to jail or not. You still have to pay back the money you owe the bank even if you are in prison, and you still have to pay off your debts after serving your sentence. Prison is to punish you for overdue repayment, not to replace repayment. Moreover, there is no law in our country that can exempt the civil repayment responsibility after imprisonment.

Article 196 of the Criminal Law Whoever engages in credit card activities under any of the following circumstances, if the amount is relatively large, shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan.

If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, or shall be fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.

Can people who have been in prison get a credit card?

You can apply for a credit card, but generally you can't do it.

Although there is no rule that people who have been in prison can't apply for a credit card, it is very difficult to apply and receive your information. Generally, it is not approved unless you have property certificates such as cars and real estate.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

main feature

Cash advance deposit is not encouraged. You can enjoy an interest-free repayment period and can repay in installments (minimum repayment amount). Join VISA, MasterCard, JCB and other international credit card organizations, which are universal.

It is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range.

It has two functions: payment and credit. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers.

It is a high-tech product integrating financial business and computer technology.

Can reduce the use of cash currency.

It can provide settlement services, facilitate shopping and consumption, and enhance the sense of security.

It can simplify the collection procedure and save social labor.

Can promote commodity sales and social needs.

Product category

According to different card issuers, it can be divided into bank cards and non-bank cards.

Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.

Non-bank card. This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.

Can I get a credit card with a criminal record? Let's stop here.