2. Conditions for applying for a credit card: 1. At least 18 years old, but not more than 65 years old; 2. Have a good credit record; 3. Applicants may apply for no more than two supplementary cards for their spouses or relatives with full capacity for civil conduct. Credit card application materials: 1. Proof of identity: copy of resident ID card or military officer's card; 2. Proof of work and income; 3. Other financial certificates: such as a copy of the real estate license, a copy of the automobile driving license, a copy of the deposit certificate, etc.
Iii. Credit card application process: 1. Fill in the application form; 2. The information of the bank itself and a copy of the information; 3. The bank sends it to the credit card center; 4. The credit card center conducts audit, business card printing and card issuance; After getting the card, I opened the card and waited for the password letter.
There are generally two kinds of black accounts in banks: first, personal credit is not good, and many personal accounts in the credit information system are overdue or directly unpaid, which are blacklisted by banks; Second, people who have been listed as untrustworthy by the people's court, those who have evaded taxes, failed to pay telecom broadband fees, or those who have a major criminal record are also black households of banks.
Once you become a black household and have a credit stain, you must take timely measures to restore your reputation. There are two points:
The first point: First of all, we must pay off the arrears, whether it is loans or public fees in arrears (many people may not know that tax arrears, civil judgment execution and telecom arrears records will be reflected in the detailed personal credit report of the bank, so remember to cancel the broadband and number when not in use).
The second point: Since the credit report only keeps the records of the last five years, you can cover the previous negative records with a good credit record of five years after the credit stain occurs. After that, unless you have a major criminal record, your loan is basically unaffected.
12 becomes a case of bank black account:
1. If the credit card is overdue for three times in a row and accumulated for six times, it may become a bank black account.
2. If the monthly mortgage is overdue for 2 to 3 months or unpaid, it may become a bank black account.
3. If the monthly payment of car loan is overdue for 2 to 3 months or fails to repay, it may become a bank black account.
4. If the loan interest rate increases, the monthly payment will still be paid according to the original amount, and the overdue interest may become a black account of the bank.
Failure to pay the water, electricity and gas charges on time may lead to the bank's black account.
6. Personal credit card cashing may become a bank black account.
7. The student loan in arrears may not become a bank black account.
8. If the "Sleep Credit Card" is not activated, there will still be an annual fee. If you don't pay, you will have a negative credit record.
9. Credit card overdrafts and mortgage loans that are not repaid on time may all become bank black households.
10. When providing a guarantee for a third party, if the third party fails to repay the loan on time, it may become a black account of the bank.
1 1, the mobile phone number was stopped, and the relevant formalities were not handled. Due to the overdue monthly fee, it will also cause bad records and may become a black account of the bank.
12. Credit card arrearage records generated by others fraudulently using ID cards or copies of ID cards may become bank black accounts.