Effective customers with bank cards and credit cards are also called high-quality customers. The bank mainly bases its decision on three aspects:

Whether there is any problem with the customer's early repayment record, whether the future income is stable, and whether the career is stable;

Compared with ordinary enterprise employees, there are Civil servants or people's teachers are high-quality customers;

As for various enterprises, employees of the Fortune Global 500, central enterprises, and state-owned enterprises have better hard qualifications than employees of ordinary private enterprises because they are more stable. , relatively speaking, the income is also easy to stabilize.

Three conditions for becoming a high-quality customer:

Personal credit record must be good;

Good credit card consumption habits;

Changing jobs A career welcome in banks.

To sum up, valid credit card customers are high-quality credit card customers. For details, please refer to the conditions for applying for credit cards at major banks.