Unlike traditional savings cards, credit cards have consumption limits. The consumption limit can be directly used for prepaid consumption and then paid after use. Currently, credit cards have become a common payment channel for most people. But nowadays, people applying for credit cards are finding it increasingly difficult to do so. Why?

1. Bank supervision is tightening

Cards are also one of the main sources of income for banks, but they have nothing to do with consumers. Instead, every time a consumer uses a credit card, the bank will A certain handling fee will be charged on the consumption amount, but no additional deductions will be made. Therefore, when issuing credit cards, banks will vigorously promote them. In the early days when no one is applying, they will also use the form of gift cards to attract depositors to apply. However, as more and more users apply for credit cards, and because banks need to carry out risk control, banks are becoming more and more strict in issuing credit cards. Therefore, banks will tighten policies on bank credit lines to ensure that their risks are within controllable limits.

2. Potential customers are gradually decreasing

Nowadays, credit cards have been widely promoted, so the credit business is well known to everyone. However, when applying for a credit card, after a credit check, most users currently apply for a credit card and also take out loans on online loan platforms. In fact, the credit limit for such users is already very large. If you apply for a loan on this basis, If a credit card is granted a credit line, it is likely to cause a certain rate of overdue or bad debts in the future. Users who previously applied for credit cards are basically white accounts and have no other credit business. As a result, credit card applications are becoming more stringent, also because the pool of potential customers is now smaller.

3. There is a clear definition of the household registration population

According to market surveys, the current main consumer force is the younger generation, and college students have very strong spending power among young consumer groups. , but now the bank clearly stipulates that college students cannot handle credit card promotion business, and has set certain limits on the limit. Considering that college students do not have a stable source of income, they cannot be allowed to consume too much.

As for low-income people who cannot open a card, such as middle-aged and elderly people in rural areas, if they do not open a card here, they will not actively promote it. Therefore, in each case

4. There are problems with the applicant’s credit record

In fact, we have entered the era of credit consumption, so credit reporting is very important to us. When applying for a credit card , the bank will query the individual's credit report, but some people may have applied for a credit card before, and it will be overdue during the use, so there will also be some bad records in the individual's credit report.

In addition, in addition to overdue credit card payments, failure to repay online loans or bank loans in a timely manner can also cause bad credit. Failure to apply for a credit card due to bad credit is an important reason for the failure of credit card applications.