financial intermediary and real estate intermediary. With the excellent property market in recent years, real estate agents have mushroomed, and the demand for housing has driven the demand for funds, which has also promoted the growth of various loan agents. This kind of industry has a great feature, that is, low entry threshold, poor stability and weak ability of sustainable development. It is undeniable that this group of people earn a lot of money every month because they have caught up with the good situation, but the income last month was 5 thousand, and the income this month was 5 or even no income. This phenomenon is everywhere. In addition, because some financial intermediaries are good at packaging, it is difficult for banks to judge the authenticity of the information they submit. Therefore, in the long run, it will be more difficult for banks to apply for cards and loans for applicants engaged in such occupations.
manufacturing business owners. Some people will question, isn't the owner of a manufacturing enterprise the boss? Qualifications must be good, why not be loved by banks? If a few years ago, manufacturing business owners were definitely high-quality people in banks, but times have changed, the economic situation is not good, and many enterprises are really difficult to produce and operate. Banks are not charitable organizations, they will only add icing on the cake and will never give you a gift in the snow. Therefore, under the background of bad economic environment, it is not easy for business owners to apply for a card loan from the bank without considerable qualification certificates.
service industry. Objectively speaking, the entry threshold of the service industry is not high, so there is great mobility and poor job stability. Subjectively speaking, people engaged in the service industry may not have high qualifications in education and other aspects, so they are also not liked by banks.
high-risk occupations. In some high-risk industries, banks generally refuse to lend for risk reasons. For example, aerial workers, front-line law enforcement officers, etc., this kind of occupation has certain dangers, and banks will also take it into account when doing approval.
There is no distinction between high and low occupations, but within the scope of lending, occupations do affect their demand for applying for credit cards. Banks will not only review their comprehensive qualifications, but also pay attention to the nature of their work. If their other qualifications are good, they have repeatedly hit a wall when applying for credit cards, so we can see whether the occupation they are engaged in has touched the bank's "professional minefield".