The comprehensive score is a comprehensive quantitative evaluation of the loan applicant’s application qualifications. There are many factors that affect it, such as your marital status, job, position, occupation, income level, liabilities, property type, and loan method. , academic qualifications, personal credit record, etc. all determine the score. Only when the sum of these scores reaches the score standard can it be possible to apply for a credit card.

According to the provisions of Article 8 of the "Ping An Bank Credit Card Articles":

To apply for a credit card, you must truthfully fill in the "Ping An Bank Credit Card Application Form" and sign the "Ping An Bank Credit Card Application Form" Use Contract". Credit cards can only be applied for by themselves through the formal channels of the card issuer, and cannot be applied through a third party or others. Otherwise, the cardholder shall bear the resulting risks. At the same time, the card issuer has the right to pursue legitimate claims, including repayment, against the applicant. Legal liability.

The card issuer will determine whether to require a guarantee and the method of guarantee based on the applicant's application and credit status, and whether to agree to the applicant's application for a card. Regardless of whether it is approved or not, the card issuer will not return the applicant's application materials but will keep them confidential.

Extended information:

According to the provisions of Article 10 of the "Ping An Bank Credit Card Regulations":

Applicants can choose to apply for a credit card by providing guarantee. The guarantee Methods include: guarantee, mortgage and pledge. A corresponding guarantee contract can be signed separately for guarantee. The scope of guarantee covers all debts incurred by the cardholder under the credit card issued by the card issuer.

The validity period of a credit card generally does not exceed 10 years. It will automatically become invalid upon expiration, but the creditor-debt relationship incurred by the cardholder under the credit card will remain unchanged. If the cardholder is unwilling to exchange for a new card when it expires, he should notify the card issuer in writing or in other forms agreed by both parties one month before the card's validity period expires.

Ping An of China - Comprehensive credit score is "failed", no wonder loans are running into obstacles

Ping An of China - Ping An Bank Credit Card Articles