What credit card (debit card) doesn't read credit information?
No credit card (debit card) issued by any bank doesn't read credit information. If there is a credit card (debit card) that doesn't read credit information, then it must be a scam of a black intermediary.
Credit cards (debit cards) are all approved and approved by banks. Credit checking is a necessary process for banks to check the application qualification of credit cards (debit cards). If there are bad credit records in personal credit report, the cards will be rejected.
However, sometimes banks have loopholes in system approval, or there is a large amount of water release, and they may have the opportunity to apply for a credit card (debit card) without looking at the credit information.
which bank doesn't need to check the credit information when handling credit cards?
1. In the case of Ping An Credit Card, our bank makes a comprehensive evaluation based on the information you submitted when applying, and will make a corresponding comprehensive evaluation with reference to your age, education, job stability, financial situation and your credit records in other banks. I suggest you log in to Ping An Pocket Bank APP- Credit Card-Online Card Processing to try to apply.
2. Personal credit report generally shows overdue records in recent five years. Inquire about the personal credit report through the personal credit information service platform of the Credit Information Center of the People's Bank of China. Credit Information Center official website:.
Response time: August 16th, 221. Please refer to the latest business changes announced by Ping An Bank in official website.
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What credit card doesn't look at credit information
Any bank's credit card will check the credit information of the cardholder before handling it to avoid risks.
according to article 41 of the measures for the supervision and administration of credit card business of commercial banks, the issuing bank shall conduct a credit investigation on the credit card applicant, fully verify and completely record the applicant's valid identity, financial status, consumption and credit records, and confirm that the applicant has a fixed job, a stable income source or a reliable repayment guarantee.
article 42 the card-issuing bank shall determine the required (optional) elements of the credit card application materials according to the overall risk management requirements, and shall not issue the credit card if the required information or required options are omitted, the business travel card and business purchase card are handled by others (except for the subsidiary card handled by the main cardholder), the application materials are signed by others or unsigned.
credit cards may not be issued if there are doubtful information in the credit card application materials, audit opinions are omitted, auditors at all levels have not signed (signed and sealed, entered work codes), or the system audit records are missing.
Extended information:
Measures for the Supervision and Administration of Credit Card Business of Commercial Banks Article 49 The card-issuing bank shall establish operating rules for credit card activation, and check the identity information of credit card holders before activation. Credit cards whose contract (agreement) has not been signed by the applicant and whose identity has not been confirmed by the activation program shall not be activated. New credit cards, loss reporting and card replacement, damaged card replacement and expired card replacement must be activated before they can be used by cardholders.
the credit card cannot be charged without the cardholder's activation. Under special circumstances, except for the fees charged by the cardholder in writing, customer service telephone recording, electronic signature, and the way recognized by both the cardholder and the issuing bank, and the creditor-debtor relationship formed when changing the card. Credit cards are not allowed to issue any gifts or gift certificates without being activated and used by the cardholder.