What are the credit reporting requirements for the Post Office Yuexiang Credit Card?

The Yuexiang Installment Card is a special installment business launched by the Postal Savings Bank. Users can obtain an installment quota of up to 500,000 yuan, and the installment can be up to 5 years; each installment of 10,000 yuan only costs 30 yuan/month. ; No collateral mortgage. Credit card holders can apply for installment payment through the self-service or customer service hotline. The installment amount will be based on the overpayment received and will be repaid in installments starting from the first bill date.

The credit record of Yuexiang Installment Card applicants has the following requirements:

(1) The applicant does not currently have any overdue payments, and has not been overdue for 3 consecutive months or 6 times in total within two years. Overdue.

(2) Personal debt is too high, and there are not many records of various small-amount loan applications online.

(3) The utilization rate of the credit cards held does not exceed 80%, and the lower the utilization rate, the better.

What are the conditions for application?

(1) Citizens aged 18-60 with full capacity for civil conduct.

(2) Have a stable job and a fixed monthly income.

(3) Premium customers of Postal Bank can apply for housing mortgage loans (nationwide).

(4) The base of the personal provident fund account exceeds 4,000 yuan, and the payment period has expired for one year.

(5) Priority will be given to users with mortgage loans of more than 300,000 yuan.