Is it easy to apply for a credit card?

It is relatively easy at the moment. In order to promote the use of credit cards for consumption, major banks have launched many preferential policies for card application, appropriately lowered the requirements for card application, simplified the card application process as much as possible, and opened up a variety of card application channels. Therefore, it is relatively easy to apply for a credit card.

The requirements for applying for a credit card are: (1) Age must not exceed the legal retirement age. (2) Have a stable job and stable income. (3) Have a relatively good personal credit status. (4) Have a relatively positive willingness to repay, etc.

The credit card application process is: (1) Submit application; --(2) Fill in the information; --(3) Submit for review; --(4) Card production and issuance; --(5) Card activation.

Credit card application channels include bank counter application, mobile banking application, online banking application, WeChat official account application, cooperation platform application, etc. Whether you are applying at a bank counter, online banking, or using a mobile phone, you must first apply for a credit card. Before applying, you must prepare some information that will be used in the application and review process.

After submitting the application, select the type and type of credit card that the bank can apply for, then fill in the personal information, personal financial status, purpose of applying for the card and special requirements, etc. After completing the filling, submit the application to the backend or the bank credit card review department. After submitting the application, the bank will contact the applicant to review and confirm the information. After passing the application, the bank will create a credit card for the applicant and mail it to the credit card applicant.

After you get the credit card, you cannot directly use it to make purchases. You must activate it first before you can use it. Activation mainly involves entering registration information into the bank's system and setting a credit card password. The method of activating a credit card is usually written in the letter that comes with the card. In addition, the letter will also list in detail the benefits and discounts that can be enjoyed when using the card.

As long as the materials are complete and the credit report is clean, it is quite easy to apply for a credit card

Why is it becoming more and more difficult to apply for a credit card?

First of all, the answer is analysis. There are two main reasons why credit cards are becoming more and more difficult to apply for. First, banks themselves are subject to supervision. The China Banking and Insurance Regulatory Commission has explicitly prohibited excessive credit extension. Second, there are fewer and fewer high-quality potential cardholders. When they have time to apply for a credit card in the future, they will have already used credit products represented by Huabei and Weilidai, which indirectly makes credit reporting too expensive.

Let’s analyze in detail how these two reasons limit existing cardholders and potential cardholders.

Because banks themselves are subject to supervision, the China Banking and Insurance Regulatory Commission has explicitly prohibited excessive credit extension.

On October 10, 2019, the China Banking and Insurance Regulatory Commission issued the "Notice on Carrying out Rectification of Infringements of Consumer Rights and Interests by Banking and Insurance Institutions (Banking and Insurance Regulatory Commission [2019] No. 194)", which clearly stated: Do not intentionally develop credit card business for low-income people and develop high-risk users: including excessive marketing of credit cards to college students who have no ability to repay, and imprudent limit control; issuing high credit limits to customers with poor credit status or who have multiple credit lines ; Excessive marketing of installment business.

In China, there are only two top regulatory authorities for all financial institutions, the central bank and the China Banking and Insurance Regulatory Commission. You said that the China Banking and Insurance Regulatory Commission has issued a written order prohibiting such operations. Even if 100 banks are unwilling, they will not do so either overtly or covertly. Dare to openly disobey your superiors. In actual implementation, the direct manifestation is that the credit cards that could have been applied for are not granted, and the banking industry does not dare to let go of the somewhat flawed customer base.

There are fewer and fewer high-quality potential cardholders. When they have time to apply for a credit card in the future, they have already used credit products represented by Huabei and Weilidai

In recent years , despite the penetration of various financial lending institutions on the Internet, people have more choices besides banks if they want to use money. Especially the younger generation, who have not yet reached the age to apply for a credit card, can easily use various installment credit tools. For example, buy mobile phones by installment with Home Credit, pay with Huabei, etc.

In the eyes of bankers, except for the formal use of credit products in the banking system, other types of credit products are basically classified as small loans. When college students wanted to apply for a credit card after graduation, they found that they had already been invaded by small-amount high-interest credit products like "Home Credit". When they wanted to apply for a credit card, they couldn't apply smoothly.

To sum up: the increasing difficulty of applying for a credit card is mainly due to the above two reasons. First, banks themselves are subject to supervision. The China Banking and Insurance Regulatory Commission has explicitly prohibited excessive credit extension. Second, there are fewer and fewer high-quality potential cardholders.

Of course, there will also be other objective reasons, that is, some people do not have stable jobs, and are essentially people with three no jobs. On the score sheet of the bank's credit review personnel, such people must apply successfully. It is also difficult to get a credit card.

Thank you: Why is it becoming more and more difficult to get a credit card? Because there are many people with low incomes! Failed to recharge on time! It is easy to cause financial losses and there are certain risks. Failure to replenish it in time will cause certain losses to national financial institutions.

Banks are not charitable institutions. They are at any time, especially now. The devastation of the epidemic has turned many people into poor people and losers in an instant. Banks are institutions that avoid risks because they will always only It will be the icing on the cake, rather than providing help in times of need!

Credit cards are becoming more and more difficult to apply for, especially for those who have never applied for a credit card or have problems with their credit report!

First, some people often overdue their credit card repayments, while others are simply unable to repay them. There are more and more such people, and it is difficult for banks to recover their money. Therefore, banks are now more cautious in handling credit card business, which makes it increasingly difficult.

Second, for those who have already applied for a credit card and have good credit, it should be easy to apply for another credit card. In addition, it is not difficult to apply for a credit card for those who have had a loan from a bank and have never been late in repaying the loan.

Through loans, credit cards and other services, banks will conduct credit ratings on customers, and this credit rating can also be seen by other banks. So as long as you have good credit, it’s not difficult to get a credit card.

The main reason why people apply for credit cards now is due to the impact of the epidemic. Many people are under pressure from home loans and car loans. Many people choose to go to banks to apply for credit cards. In addition, due to the domestic market situation, many factories Companies have no business, and many people choose to take holidays, resulting in many people who are idle at home or without work. Nowadays, most of the people applying for credit cards are those without formal jobs and with poor credit. Some are slightly younger. To summarize the following points.

First: When applying for a credit card, you either fill it out randomly or it is not true.

Second: The applicant is too young, and the bank feels that you are unable to repay the loan.

Third: Crazy application for credit cards, applying from all banks, resulting in a behavior in credit reporting. The bank will not make it easy for you to apply for a card, so try to wait for more than three months before applying.

Fourth: The applicant’s credit problem. Some people say that they have never been overdue, but the bank just won’t disburse the money. It may be that the bank has determined that you may have applied for many online loans and small platforms. There is a problem with your credit report.

Fifth: It’s not that it’s difficult to apply for a credit card, but you haven’t found the right way. It seems that some people have already purchased the card, and the limit is still high. Information is one thing, but there are also reasons for the platform you apply for.

Sixth: Basically, those born in the 1980s apply. If there are no overdue records, it will basically pass. This is a real case, look at the picture.

No matter whether you apply for it or not, you have to pay it back once you use it. Until that point, it is still not recommended to use a credit card. If you are not careful, you will fall into endless repayment of the credit card.

Coordinated in Liuzhou

The reason why it is difficult to make money

Do you have the corresponding abilities

For example, can your professional ability pass the test? Do you have the ability to learn and execute? Do you have strong beliefs? etc.

Do you have a good platform?

If you have abilities and talents, is there a platform for you to display them? Qingfeng relied on his strength to send me to the sky. Making money is not a one-person game and requires the help of a good platform.

Do you have a good circle?

This circle refers to your network of contacts and your financial circle. Your network of contacts can help you solve many things, and your financial circle can help you raise more money. funds.

Why is it so difficult to apply for a credit card? Lu Ming believes that there are the following reasons.

Is it difficult to apply for a credit card?

Because your hard qualifications and soft power are not developed.

Hard qualifications

Has your credit report been optimized? Or do you know that you need to optimize your credit report in advance before applying for a credit card? Optimize that aspect of information?

Have you provided good qualification certificates? For example, good employment certificates, social security provident funds, check-in salary statements, real estate, large deposits, etc.

Soft Power

Planning for credit card application, do you know how to arrange the application sequence for credit cards from various banks? Which bank is suitable for you to apply for according to your conditions? What are the taboos when applying for credit cards from various banks?

Do you look like a passer-by at first glance, or do you look like a white-collar worker? Do you speak with a hint of temperament as soon as you speak, or are you a successful person with a successful career?

Summary

Credit card processing, especially if you want to apply for a large credit card and use the credit card as leverage to finance, you need to plan and improve your hard qualifications and soft skills. strength.

Similar to making money, as your abilities in all aspects improve, making money will naturally be much easier.

I am Lu Ming, a financial worker working on the front line, providing you with low-interest and large-amount financing solutions! Welcome friends in Liuzhou to communicate via private messages!

1. It mainly shows that society has progressed and it is easy for banks to obtain personal data.

2. Personal integrity is also becoming more and more important, so the bank will record daily non-timely repayments.

3. When the economy is not very good, credit card issuance will also assess the risk. After looking at the user's daily income and expenditure, it will be determined whether the risk assessment requirements for issuance of credit card can be met.

4. On the contrary, for people with good personal credit, it should be easier to apply for a card than before, because there are more online card application channels and the process is faster than before.

5. In daily life, if you make better money by yourself, the bank will definitely take the initiative to apply for a card from you.

Hello, I'm glad to answer your question. 1. Credit products serve the purpose of taking care of others’ needs, promoting the flow of funds, and driving the economy. 2. In fact, it is essentially a business activity that makes money and uses capital to make money. I won’t talk about the operation method because I don’t understand it! But at least you have to predict and evaluate market conditions and assess risks! 3. In order to avoid risks, the number and limit of credit cards will be tightened when the general environment is not good. 4. Here comes the most critical question. Do you think it's difficult for something like this that is supposed to be the "icing on the cake" when you need help in times of need? For me, it’s too difficult [face covering]

It’s difficult to apply for a credit card. There may be a problem with your credit report

As far as I know, when a person If your debt is too high, some banks will check your credit report. Every time you borrow a loan, it will leave a mark on your credit report. When you want to borrow money again, or apply for a credit card, the bank will not check your credit report. It will be done for you because your debt is too high.

I don’t know if you have ever encountered door-to-door salesmen trying to apply for a credit card at a subway station or on the roadside in a park. These people claim to be able to apply for a credit card for you, and they can also place a lot of credit, especially now that you are special. When you need money or want to apply for a credit card, don’t blindly apply for these credit cards. If you want to apply for it, it’s best to apply at the bank counter. It’s best if these people just promote you and may earn you handling fees, but the final result will be useless. Let it go.

It is best not to use the most important credit card. Use every money you earn and never spend in advance.

A credit card is actually not difficult to apply for, but it is more difficult for some households with poor credit or white households!

For example, my first time applying for a card went smoothly because I had a mortgage in my name with a monthly payment of 7,000 yuan. In addition, I worked at Ping An, so it was very easy to apply for my own Ping An Bank credit card. That’s the limit of 35,000.

When you get your first credit card, start real consumption again, and if the repayments are normal and not overdue, the bank's system is open, and it will naturally be easier to apply for other credit cards. !

I have 7 credit cards under my name. The first 6 were all applied for before the epidemic this year, with a total credit limit of 420,000!

Generally, if there are more than 6 credit lines, the credit limit will basically be reduced. If you apply again, you may only have a limit of 10,000, or you may not be able to get it!

But last month, ICBC said that I could apply for one, so I applied for an ETC credit card online. It happened that the ETC on my mortgage and car were from them, and they were also 6 stars. The customer was approved for a card worth RMB 76,000, and he was quite satisfied!

Is it easy to apply for a credit card?

A credit card is necessary.

The direct benefits of using a credit card:

1. Easy to use: Credit cards are very convenient to use. You can use the card to make purchases and bind WeChat and Alipay for quick payment, avoiding the need to pay cash for consumption. No worries, don’t worry about the dangers of carrying too much cash with you.

2. Exclusive offers: Cardholders who hold a credit card will generally receive additional services, such as free insurance, exclusive airport access, etc. You can also participate in various preferential activities, such as half-price ordering from joint restaurants, free movies, free car washes, etc.

3. Points redemption: Credit cards can be swiped at cooperative merchants to accumulate consumption points. When the points meet the gift conditions, they are directly redeemed for goods. Some banks can even use points to recharge phone cards.

Is it easy to get a credit card? Where to do it?

Credit cards are easy to apply for and can be applied for at major banks.

First fill out a credit card application form and submit it to the bank, which will forward it to the head office or card center. Then after a period of review and approval, if you are deemed qualified, the card and password will be mailed to you.

You need to provide a copy of your ID card and as many proofs of assets as possible, such as proof of income, proof of real estate, etc. In some first-tier cities, it is possible to successfully apply simply by providing proof of identity and work card.

Extended information

For bank card application, it is strongly recommended not to entrust someone to handle it, as this is very dangerous. In fact, the application is very simple. The specific operations are as follows:

If the conditions are not sufficient, the card will not be issued. The application materials submitted at the same time will not be returned regardless of whether the application is successful or not. After the card is mailed, you need to call a service call to activate it, and then it can be used.

Within the credit limit (determined according to income status), you can go to the mall to swipe your card for consumption, and enjoy an interest-free repayment period of up to 50 days and a minimum of 20 days. Statements are sent once a month, and you just need to go to the bank to pay back the money based on the total amount on the bill and the latest payment date. If you do not repay within the time limit, you will be charged penalty interest.

Of course, you can sign an automatic repayment agreement and bind it to your debit card. The money will be automatically transferred before the monthly repayment date, so you don’t have to go to the bank to repay the money.