Which bank’s credit card can a black account apply for?

1. China CITIC Bank: CITIC Bank’s credit card is relatively easy to apply for. You only need to prepare your ID card and fill it out online. For credit card application records, wait for the reminder via text message or phone call, and go to the outlet specified in the text message or phone call to review the information.

2. China Everbright Bank: China Everbright Bank is also easier for black accounts to apply for. Fill out the application form on the official website, and usually get the result within half a month (including review and bank card issuance). The result will be Notification via SMS.

Extended information:

Tips for black account credit card applicants:

1. If you have a bad credit record due to an overdue credit card, you must pay it back as soon as possible if you want to successfully apply for a credit card. Pay off the balance and continue to use the card instead of canceling it. Usually banks will refer to credit card records in the past two years when reviewing credit cards, so cardholders must continue to use the card for at least two years, and maintain good consumption and repayment records during this period, so that good records can cover bad records.

2. If it is a black account in a certain bank, as long as there is no record in the central bank's personal credit system, it will not affect your application for credit cards from other banks. But it’s best to start with credit cards that are easy to apply for, as this can increase your chances of success.

3. If it is difficult to apply for the main card, the hacker can choose to apply for a supplementary card of a family member's credit card. The application conditions for the supplementary card are not as stringent as those for the main card.

Baidu Encyclopedia-Black Account

Baidu Encyclopedia-Credit Card

Baidu Encyclopedia-CITIC Bank

Baidu Encyclopedia-China Everbright Bank

How to apply for a credit card for a bank account with a bad credit report?

It is still difficult for a bank account with a black account to apply for a credit card.

If there is a stain, the bank will have to re-apply for a credit card. Only after review can one decide whether to process the application for the applicant, but there is no way to apply for a black account to use the card.

1. When there is an overdue record on your credit card

, do not cancel the credit card immediately. Instead,

continue to use it for more than two years to ensure on-time repayment. , form a good credit record before canceling the card.

In addition, you should also actively swipe the card for consumption, where the card can be swiped.

Do not pay cash, after swiping the card Repay as early as possible, like this

Follow the steps of credit card repayment. Generally speaking

the bad records can be cleared within two years, five

The credit stain can be completely eliminated within a year.

2. If you can’t wait that long and need to apply for a card urgently

, you can negotiate with relatives and friends to apply for an additional card

The limit of the additional card is generally the same as that of the main card The credit limit is the same. In fact, it is not impossible to apply for a credit card with a black bank account.

It’s just that the credit card limit usually applied for is very low. .

Applicants must carefully consider when applying for a credit card

If they really need to apply again

, they must also use it when they get a credit card.

Pay attention to your credit record, and don’t let small things cost you big things.

Can a black account apply for a credit card?

A black account can apply for a credit card, but the chance of application approval will be much lower than that of ordinary people; in fact, the so-called black account means a bad credit record, a bad credit record Usually there will be debts owed and they refuse to repay; if you want to apply for a credit card, you will usually be rejected by the bank; in fact, after becoming a black account, it is not only difficult to apply for a credit card, but you may also be rejected when applying for any bank loan. Therefore, keep it in mind in daily life. Good credit is very important

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card.

This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., and are used for purchasing tickets, meals, accommodation, entertainment, etc.

According to the different objects of issuance, it can be divided into corporate cards and personal cards

Corporate cards. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, national party and government agencies, military units, groups and other legal organizations.

Personal card. Personal cards are issued to urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable sources of income. A personal card is applied for in the name of an individual and he/she bears all responsibilities for using the card.

According to the credit status, status and other credit conditions of the cardholder, it can be divided into ordinary cards and gold cards

Ordinary cards. Ordinary cards are issued to cardholders with average financial strength, credibility and status, and their various requirements are not high.

Gold Card.

The gold card is a high-end credit card that pays high membership fees and enjoys special benefits. Cards are issued to those with higher credit standing, stronger repayment ability and credit, or those with a certain social status. The authorization limit of the gold card starts from a higher level, and the additional service items and scope are much wider, so the requirements for relevant service fees and security deposits are also relatively high.

How to apply for a credit card if your credit report is not good

How to apply for a credit card from a bank with a bad credit report:

1. Go to a bank that issues wages or a bank with deposits. 0-limit credit card, deposit money into the credit card for consumption, covering bad credit records.

2. Deposit large amounts of funds at the bank that handles credit cards.

3. Apply for supplementary cards in the name of family members.

4. Choose a niche bank and apply for a card with loose conditions.

5. Wait for your credit to recover before applying for a credit card.

Credit reports are divided into personal credit reports and corporate credit reports. They are records of personal credit information issued by the Credit Report Center of the People's Bank of China and are used to check the social credit of individuals or companies. Credit reports are divided into three categories, namely basic personal information, credit transaction information, and other information.

The new version of the credit report of the central bank's personal credit reporting system has been launched online, and the "validity period" of overdue records has been officially set to five years. The new version of the credit report sets the starting point for overdue information as October 2009, and previous bad repayment records have been deleted.

Since the relevant departments have not clearly stipulated the time limit for negative records, in the old version of the personal credit report, overdue records will be displayed no matter how many years ago they were. The new version of the credit report only displays consumers’ overdue records within the last five years.

If it is recorded in your credit report that you have borrowed money and failed to repay it, the bank must treat it carefully when considering whether to provide you with a loan. The bank will most likely ask you to provide a mortgage or guarantee, or reduce the loan amount, or increase the loan interest rate, or refuse to grant you a loan. If your credit report shows that you have borrowed a lot of money, the bank will also be very cautious and worry that you will have too much debt to bear, and may refuse to provide you with another loan.

Credit reporting is an activity in which a professional, independent third-party agency establishes credit files for individuals or enterprises, collects and objectively records their credit information in accordance with the law, and provides credit information services to external parties in accordance with the law. Professional credit institutions provide a platform for sharing credit information.

Credit reporting activities originated from the emergence and development of credit transactions.

Credit is a special form of value movement that is conditional on repayment, including forms of currency lending and credit sales of goods, such as bank credit, commercial credit, etc. The modern economy is a credit economy. Credit, as a specific economic transaction behavior, is the product of the development of the commodity economy to a certain stage.

The essence of credit is a creditor-debt relationship, that is, the creditor (creditor) believes that the fiduciary (debtor) has the ability to repay, and agrees to the fiduciary's promise to repay in the future. However, when the commodity economy is highly developed and the scope of credit transactions becomes increasingly broad, especially when credit transactions spread across the country and the world, it will be extremely difficult for one party to the credit transaction to understand the credit status of the other party.

At this time, understanding the credit standing of market transaction entities has become a need, and credit reporting activities have emerged as the times require. It can be seen that credit reporting actually emerged and developed with the emergence and development of the commodity economy, and is a credit information service provided for credit activities.

This is the end of the introduction about how to apply for a 0-limit credit card from a black account and how to apply for a 0-limit credit card. I wonder if you found the information you need?