When applying for a credit card, the bank will make a preliminary division of the customer's capital contribution according to the customer's work unit, deposit assets, personal liabilities, personal credit and other factors. Then, from the customer's subsequent card use behavior, whether the customer has the ability to provide stable profits to the bank. Therefore, in the eyes of most banks, high-quality customers mean good reputation, strong assets, super spending power and good repayment ability.
What are the benefits of credit card quality customers?
First, it is easy to raise the amount.
The bank's strict risk control system is strictly regulated, and many card friends have suffered a reduction, but quality customers are rarely affected. Different from most people, it is very easy for high-quality credit card customers to withdraw money, especially for customers who often spend abroad, and the withdrawal amount has risen rapidly.
Second, it is easy to accept invitations.
What good activities or products banks have, the first thing that comes to mind is high-quality customers, just like the cash installment business in credit cards, which can only be enjoyed by high-quality customers.
Third, interest rate concessions.
Banks have always been generous to high-quality customers, and they can enjoy preferential interest rates when handling business, such as CITIC Express. The interest rate applied by most people is around 0.76%, while the interest rate of quality customers is only 40%.
In short, high-quality credit card users can enjoy many benefits, and if they want to be high-quality customers, they must improve their comprehensive quality in many ways, such as moving bricks to save money and saving cards well.