bad credit if you successfully apply for a credit card, the applicant should generally be between the ages of 18 and 6, with a stable job, a stable income source and a good credit. Why is the credit card still available when the credit information is poor? There may be the following situations:
1. The overdue time is too long
When applying for a credit card, the bank will generally only check the applicant's credit records in the last two years. If the borrower's overdue records are all two years ago, it will have little impact on applying for a credit card now.
Second, the applicant's repayment ability is extremely strong
Credit information is an important but not the only factor in credit card approval, and the bank will also comprehensively evaluate the applicant in combination with information such as job stability, income status and asset status. If the applicant is a state-owned enterprise, institution, Fortune 5 company and other relatively stable work units, his income is high and stable, or he often handles business in the bank, such as purchasing wealth management products and bonds, and has more business dealings with Shenka Bank, the credit requirements for the applicant will also be reduced, and the requirements for the applicant's credit investigation will also be reduced.
Third, cognitive errors
Many people think that their credit records are overdue, that is, their credit records are poor. In fact, as long as their credit records have not been overdue for three consecutive years in the past two years, they are not illegal credit users, and there is still hope for applying for a credit card.