1. For new applicants who have been employed for less than half a year, when filling in the working years of applying for a credit card, the working years can be appropriately increased to more than half a year, and attention should be paid to maintaining the authenticity of the information when returning.
Banks are mainly afraid of taking risks, because the working hours of banks are short, and as far as individuals are concerned, they don't have much savings. If the overdraft limit is large or the advance amount is large, which may lead to the failure to repay the loan on time, then the bank may have the possibility of risk loss, so it will generally not let such customers pass.
3. When the general bank examines the working years of the card holder, more than half a year is the minimum threshold. If you have been employed in this work unit for less than half a year, the chances of being rejected by the bank will be great. Don't rush to get a credit card, you can wait until your job is stable.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
I. Types of credit cards
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement and cash deposit and withdrawal. 20 17, 12, 1 The Standards for English Translation and Writing of Public Service were formally implemented, which stipulated the standards for English writing of credit cards.
Credit card consumption is a non-cash transaction payment method, and there is no need to pay cash when spending, and repayment is made on the billing day.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).