If the comprehensive score is not up to standard and the credit card application is rejected, you can go to the Personal Credit Information Center of the People's Bank of China to check your credit status. Specific local outlets can be found on the website of Personal Credit Information Center of China People's Bank. If there are overdue or bad records, please deal with them as soon as possible and submit the application after 6 months.
If the comprehensive score is not up to standard, refuse to apply for a credit card. Usually, there are several situations:
First, the income certificate or asset certificate provided by you when you apply for the card is insufficient, and the bank will not approve it on the grounds that you do not have the repayment ability;
Second, you have an overdue or bad credit record before;
Third, you have submitted too many bank card applications at the same time, and the bank considers that you may have the possibility of malicious overdraft.
Can Guiyang Bank handle off-site credit cards?
Of course.
Online application process of Guiyang Bank's credit card: Online application of Guiyang Bank's credit card is simple and convenient, saving the time and experience of running the bank. However, the application conditions required for online application are still subject to the credit card application conditions of Guiyang Bank, which should meet the requirements of age, income and personal records. According to the regulations of Guiyang Bank, any individual who has full capacity for civil conduct, is over 18 years old, has a legal and stable income source and has a good personal credit record can apply for a personal credit card from Guiyang Bank with his/her valid identity document and relevant handling materials.
After meeting the above conditions, we only need to log in to official website of Guiyang Bank, enter the column of "Credit Card", select "Online Application" in "Special Services" and fill in relevant personal information to complete the online application procedure.
What are the credit card application materials of Guiyang Bank?
Unlike several major banks, Guiyang Bank's popularity is not so high. For some friends who want to apply for Guiyang Bank credit card, there may be many doubts. I don't know what materials I need to bring when I apply. Let me talk about the credit card application materials of Guiyang Bank.
1, identification: identification can provide my ID card or military officer's card; Hong Kong and Macao compatriots are required to provide a pass and proof of residence (more than one year); Foreigners need to provide passports and residence certificates (more than one year).
2. Work certificate and income certificate: the work certificate can be issued by the company where I work, indicating the income, and can also provide a copy of social security and other materials.
3. Other supporting materials: the real estate in my name, the vehicle in my name, the professional qualification certificate, and the original bills of telephone, gas, water and electricity in my current residence.
It is simple and convenient for Guiyang Bank to apply for a credit card online, which saves time and experience in running a bank.
What are the requirements for credit card processing in Guiyang Bank? Can I apply for a small credit card at the age of 63?
Processing conditions by card
The main card applicants are basically China citizens (including Hong Kong, Macao and Taiwan) and foreign citizens with full civil capacity between 18-65.
Supplementary card applicants must be at least 13 years old.
Information to be provided for credit card processing of CCB:
When filling in the application form, please provide copies of the identity documents of the applicants of the main card and the sub-card (domestic personnel provide resident identity cards, overseas personnel provide passports, Hong Kong and Macao residents' passes to and from the mainland, and visit relatives or mainland travel permit for taiwan residents).
Providing your own work certificate, income certificate, real estate certificate, automobile production certificate, financial assets certificate and other supporting materials will help your application to be processed as soon as possible.
Credit card limit is the maximum limit for overdraft consumption and cash withdrawal for cardholders according to the information and credit status provided by cardholders when applying. Available credit limit refers to the unused credit limit in your credit card. The available amount will decrease with each consumption, and will be restored accordingly with your repayment in each installment.
Puka: 1 0,000-10,000, where there is no gold card, you can get 50,000;
Gold card: 10000-50000, city cards only have gold cards, with a quota of 50000-50000;
Platinum card: 50,000 plus temporary quota. Basically, there are more than 60,000, and there are more than 200,000;
Unlimited card: Only platinum cards are invited to issue cards, saying that it is unlimited, but there is still a limit, just like platinum cards, 5W fixed amount+temporary limit. Get a card and withdraw cash. You can call me.
This concludes the introduction of how long it will take to apply for Guiyang Bank's credit card. I wonder if you have found the information you need?