With the popularity of credit cards, major banks have cooperated with major merchant platforms, and various platforms have opened credit card application channels. From which application channels does the general user population apply? Is it safe? Please look at the following analysis:

Why do third parties have application channels?

In 20 18 credit card statistics, the number of credit card holders in China has reached 65%, which shows that the number of credit cards is large. Banks vigorously issue credit cards, establish cooperative relations with third-party platforms to promote credit cards, and third-party application channels for credit cards emerge as the times require.

What are the third-party channels?

Nowadays, more and more people apply for credit cards, which has evolved into a new profession. Credit card handlers, commonly known as card handlers, mostly recommend doing cards locally. When they apply for a card, they will 100% issue it. We have a cooperative relationship with banks, internal application channels and so on. Tell you, let you feel at ease to apply for a card.

Major businesses also open credit card application channels, and cooperate with banks to make various joint credit cards, so that more rights and benefits attract them. Of course, there are also many small businesses. In convenience stores and small supermarkets, the words credit card application are also printed.

What is the application rate for third-party cards?

As mentioned above, all kinds of card holders lure applicants with the cooperation of banks to ensure card issuance and internal application channels, and all kinds of applications for joint credit cards on merchant platforms are illusory. So all applications are evaluated by the bank, and whether you can pass the bank's audit depends on your credit score and qualification. However, the audit level of banks in recent years is not excellent, so a large number of customers apply for third-party card issuance.

Is it safe for a third party to apply for access?

Due to the increase in the rate of third-party card issuance, most people choose the third party to apply, always thinking that the third party is the easiest to verify the card issuance, but without considering the security issue. Co-branded credit cards issued by big businesses can be used safely, but for some small supermarkets and convenience stores, it is best not to trust the pasted credit card applications. After the card is issued, they will get benefits in various ways. As the saying goes, there is no such thing as a free lunch. I believe you understand.