I would like to ask if a black account can apply for a credit card

A black account cannot apply for a credit card. Banks mainly examine two points when approving credit cards. One is the repayment ability of the card applicant, and the other is the credit status of the card applicant. The main way to review credit status is to check the personal credit report. The credit report records the card applicant's use of other credit cards and loans, as well as the repayment record. Only users who have a particularly large number of overdue transactions and a particularly long overdue period will become black accounts. In order to avoid excessive bad debts and bad debts, banks will not issue cards to people with bad credit, so it is difficult for black accounts to apply for credit cards.

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Which bank's credit card can a black account apply for?

1. China CITIC Bank: CITIC Bank It is relatively easy to apply for a credit card. You only need to prepare your ID card, fill in the credit card application record online, wait for the reminder text message or phone call, and go to the website specified in the text message or phone call to review the information.

2. China Everbright Bank: China Everbright Bank is also easier for black accounts to apply for. Fill out the application form on the official website, and usually get the result within half a month (including review and bank card issuance). The result will be Notification via SMS.

Extended information:

Tips for black account credit card applicants:

1. If you have a bad credit record due to an overdue credit card, you must pay it back as soon as possible if you want to successfully apply for a credit card. Pay off the balance and continue to use the card instead of canceling it. Usually banks will refer to credit card records in the past two years when reviewing credit cards, so cardholders must continue to use the card for at least two years, and maintain good consumption and repayment records during this period, so that good records can cover bad records.

2. If it is a black account in a certain bank, as long as there is no record in the central bank's personal credit system, it will not affect your application for credit cards from other banks. But it’s best to start with credit cards that are easy to apply for, as this can increase your chances of success.

3. If it is difficult to apply for the main card, the hacker can choose to apply for a supplementary card of a family member's credit card. The application conditions for the supplementary card are not as stringent as those for the main card.

Baidu Encyclopedia-Black Account

Baidu Encyclopedia-Credit Card

Baidu Encyclopedia-CITIC Bank

Baidu Encyclopedia-China Everbright Bank

Shocked, can a black account apply for a credit card?

A black account cannot apply for a credit card.

Because black households do not have a medical birth certificate, you cannot apply for a credit card without a birth medical certificate. In addition to not being able to apply for a credit card, it also means that they cannot register for household registration, which will affect their schooling, medical insurance, marriage, childbirth, bank account opening, driving license test, accommodation, working outside the home, buying a house and career development, etc., thus putting these children in a difficult situation. amidst social discrimination.

Since the child does not have a birth certificate or household registration, it brings a series of problems to social management. Moreover, in accordance with the relevant provisions of the "Bank Card Business Risk Control and Security Management Guidelines": applying for a credit card must be handled by the applicant himself with his or her original identity document, and other individuals are not allowed to apply on his behalf (except for the principal cardholder who applies for the supplementary card on his behalf). Therefore, black accounts cannot apply for credit cards.

Extended information:

Black accounts are not allowed to apply for credit cards.

Because the black account does not have a household registration, there is no ID card information accordingly. When applying for a credit card, the ID card application is the first condition. If the black account does not have an identity document, then when applying for a credit card, it is It won't be passed.

Especially in accordance with the relevant provisions of the "Guidelines for Risk Control and Security Management of Bank Card Business", when a cardholder's bank account establishes a business relationship with a payment institution for the first time, it must be authenticated by the payment institution and certified by the card-issuing bank. For customer identity authentication, if the customer's identity is verified and identified through electronic channels, dual (multiple) factor verification methods should be adopted.

In other words, when applying for a credit card, identity information verification is the first priority, and other verification methods are not excluded. It is impossible to apply for a credit card without ID.

Baidu Encyclopedia - Medical Birth Certificate

People's Daily Online - There should not be "black accounts"

Baidu Encyclopedia - Bank Card Business Risk Control and Security Management Guidelines [ img]

This ends the introduction to the application of credit cards for black accounts and the credit cards that can be applied for by black accounts. I wonder if you found the information you need?