I think the risk control of postal installment cards is still relatively strict. Postal savings credit card is free of annual fee for life, which is not available in other banks. On the issue of risk control, the mobile phone number is very important. Don't tell your mobile phone number to some unfamiliar people.

1. The applicant has the following requirements for the credit investigation of Yuexiang installment card:

There is no overdue at present, and the applicant has not been overdue for six times in three consecutive months or two years. Personal debt is not too high, and there are not many online records of various microfinance applications. The utilization rate of credit cards held by banks should not exceed 80%, and the lower the utilization rate, the better. /kloc-citizens aged 0/8 to 60 with full capacity for civil conduct. Have a stable job and a fixed income every month. High-quality customers of Postal Savings Bank, housing mortgage (nationwide) is handled in Postal Savings Bank. Personal provident fund account base is more than 4000, and the payment time is more than one year. Users with a mortgage of more than 300,000 yuan are preferred.

2. What are the reasons for the rejection of the post-installment card?

The credit report is negative. After the applicant submits the application materials, the Postal Savings Bank will review the applicant's credit information. If it is found that the applicant has been overdue in the past 6 months, and the shorter and longer the overdue time, it will be regarded as a credit problem and the application will be rejected.

Insufficient information. To apply for an installment card from a bank, you need to submit the corresponding application materials to the bank. If the materials are insufficient, untrue or incomplete, it can be considered that the applicant does not meet the requirements of Guangdong Department for the time being, and the application will be rejected.

Conditions don't match. To apply for the installment card, you need to meet certain application conditions, such as 18-55 years old, have a stable job and have certain repayment ability. Any situation that does not meet the application conditions may be the reason for refusing the visa.

The amount of the exclusive installment card is completely approved according to the applicant's provident fund base. The higher the base, the more the balance and the higher the approved amount. The base of provident fund and high-quality units are the two most popular points in the approval card of Postal Savings Office. You can't apply on Yuewang for the time being. If your unit and provident fund are excellent, offline outlets only need an ID card to find a credit manager, and the application is extremely simple. If the credit card amount issued by your Postal Savings Bank is high, the credit card amount issued by installment card will also be high.