What kind of people can get a credit card?

as we all know, individuals aged 18-65, with full capacity for civil conduct, legal and stable income sources and good credit standing can apply for credit cards. However, in the end, whether the card can be approved smoothly depends on the number of people. From many card gods, it is easier for these five types of people to apply for credit cards.

when approving credit cards, banks will score according to the qualifications of applicants. The higher the score, the easier it is to approve cards. Applicants who generally meet the following characteristics will not get much lower scores.

1. Have a steady income

In other words, a stable job. Whether the job is stable and whether there is income can reflect whether the applicant has the repayment ability from the side. However, each bank has different views on this income stability.

For example, the four major state-owned banks, for them, the objects of stable jobs are generally employees of public institutions or state-owned enterprises, or employees of top 5 enterprises. Such people's jobs are quite stable, and their income is higher than that of ordinary people, so their repayment ability cannot be underestimated.

However, for joint-stock commercial banks, as long as they have jobs and income and work for more than three months, they are stable. For the applicant's work unit, they are generally not picky, as long as they are not engaged in high-risk occupations, it is relatively easy to get off the card.

Second, people with large rated deposits in banks

People with more than 5, large rated deposits in banks are generally high-quality customers of banks. In the eyes of banks, such people have deposits, so they don't have to worry about their repayment ability. In addition to applying for a credit card on their own initiative, such people will be invited by the bank to apply for a card.

So, if you want to apply for a credit card from a bank, it is also a common practice to open an account in that bank to save money to buy wealth management products.

Third, college students and other highly educated groups

In fact, China Merchants Bank was the first to open the credit card market for college students. At least before 21, when college students first came into contact with credit cards, only China Merchants Bank and China Construction Bank approved cards for college students.

So, if you are a college student, it is generally better to apply for credit cards from these two banks.

Fourth, there is a mortgage in the bank

If you have a mortgage in any bank, it is easy to apply for a credit card from another bank, with a minimum amount of 1,. If you want to run a credit card of four major state-owned banks, you can try this method.

Some cardholders reported that they applied for a CCB credit card online and got a gold card with a quota of 1, yuan.

Of course, it is not always possible to apply for a credit card in these four situations. This is only a common situation.

If you want to apply for a credit card soon, the second of the three situations is the most likely to meet the requirements. As for how much deposit each bank needs, it is recommended to be more than 5,. After all, deposit banks with less than 5, are ignored.

which consumer groups are credit cards suitable for?

The types of credit card consumers can be roughly divided into:

Price sensitive person: If you are particularly sensitive to price, it is your primary consideration whether you have to pay an annual fee for handling a card. Some banks will provide annual fee exemption for the first year for group cards or offer annual fee concessions for specific units.

brand director: the price is not very important to you, but you are particularly particular about the brand. You can apply for a card according to your favorite bank card brand. No matter whether you admire the old brands of the four major state-owned banks or the new brands of commercial banks, you can get the satisfaction.

welfare priority: what benefits the card can bring is the most important point. You can choose by comparing various benefits, including the validity period of points, additional insurance, supporting bank offers and discount points in shopping malls. In addition, various co-branded cards are also the best choice for those who care about card welfare.

convenience comes first: time is money. What you need is whether you can handle the card at home, send the card, whether it is convenient to pay, the quality of customer service telephone service, and the related services of online banking.

Popular followers: I hope to be the envy of everyone. At present, the cards issued by domestic banks are transparent, with beautiful patterns and irregular shapes, which can meet the demand of pursuing fashion.

Credit card traders: Credit cards are just for convenience. Credit cards are used as a substitute for cash and checks, and the arrears will be settled in one lump sum at the end of each month.

Credit card recyclers: They use credit cards as financing tools, are willing to use the revolving credit function of credit cards, and pay loan interest.

compound users: absolute classification is unrealistic, and there will also be cases where they belong to the above two kinds of consumers. That is to say, it is a trader in some small consumption and a turnover in some large consumption.

who is the credit card (debit card) suitable for?

Credit card (debit card) is suitable for the crowd:

1. Consumers who regularly run online shopping can apply for credit card (debit card) to run consumption payment through credit card (debit card), which can buffer the problem of low cash flow in hand, and the second can run commodity exchange through credit card (credit card) to spend accumulated points at the end of the year;

2. For groups with difficulties and capital needs, some wage earners or individual businesses can apply for a credit card (debit card) to ease the financial pressure if the salary payment cycle is longer or the funds are withdrawn for a long time;

3. For people who often go out on business or travel, in different countries or regions, using credit cards can save a lot of trouble, which is much more convenient than cash transactions.

The successful handling of credit cards (debit cards) requires banks to assess the applicant's economic strength and personal credit information. A steady income from work, a steady flow in the bank, regular and irregular credit card (debit card) consumption, and no bad credit record in the bank credit information system will all affect whether the bank approves the card and the amount of credit card (credit card) release.

Who is the credit card suitable for?

1. Credit card is suitable for people who have a stable salary, often spend money by credit card, can repay on time, and are suitable for people with good personal credit information.

2. In terms of funds, first of all, you should have a fixed income, not people who can live on their "relief", such as students. In terms of shopping needs. Credit cards are suitable for people who buy online for a long time, because many online shopping supports one-time large amount and even installment payment.

3. In terms of exit. It is suitable for people who often go abroad, whether traveling or on business, because credit cards are dual-currency, RMB plus US dollars.

4. Credit cards are issued to cardholders by banks or credit card companies according to users' creditworthiness and financial resources. Cardholders do not need to pay cash when they use credit cards, and they will make repayment on the billing date.