Naughty value will check the credit when applying for a credit card (credit card). In fact, no matter what form you apply for a credit card (credit card), you need to check the applicant's personal credit information. If there is a bad credit record, it may reduce the probability of applying for a credit card (credit card).
Credit card (debit card) application conditions are that the applicant 18 years old or above, holds a valid ID card, has no bad credit record, and has a stable income source or income certificate.
Naughty value can also apply for a credit card. What about naughty value?
Do you know that?/You know what? Do you know that?/You know what? Naughty values on Taobao can also be used for credit cards, and compared with other channels, this card-handling channel has a short review time and a high card-issuing rate. If you don't know how to use naughty value to get a credit card, you might as well have a look with us.
Before we get to the point, let's give you the concept of naughty value in popular science. What is naughty value? This is actually a member rating system of Taobao, and it is a final score obtained by comprehensively calculating core indicators such as purchasing power, interaction index and shopping reputation. This score is the membership level.
The higher the naughty value, the more benefits you can enjoy in Taobao member club. For example, users with a naughty value of more than 600 can find credit card application portals of banks such as Shanghai Pudong Development Bank, China Guangfa Bank and China CITIC Bank, and then apply for credit cards through the portals.
But there are not many credit cards that can be handled on Taobao. The naughty value of 880 only shows the credit card application entrances of Shanghai Pudong Development Bank, China Guangfa Bank and China CITIC Bank. The credit cards that can be handled are limited, and only some designated credit cards are available:
1. Guangfa Bank: Guangfa Taobao Credit Card and Guangfa Exclusive Platinum Card; Within 90 days after the new account card is issued, Taobao can randomly reverse the 30-50 yuan repayment-free signing amount by paying 100 yuan quickly, which can be used for repayment and cash withdrawal.
2. Shanghai Pudong Development Bank: Shanghai Pudong Development Bank Taobao Movie Credit Card. New customers can apply for the card on the exclusive page, spend any amount within 60 days after the card is checked, and get two free movie tickets.
3. China CITIC Bank: Taobao V card, with a total of 399 points redeemable 1 Samsonite backpack within 60 days after new residents open the card.
What should I do with this card?
Naughty value to apply for a credit card, the process is very simple, mainly including the following steps:
The first step: open the mobile phone Taobao and log in;
Step 2: Click "My Taobao" to enter the member center and open the member club interface;
Step 3: Pull down the "rights and interests" in the member club and find the "Pudong Credit Card";
Step 4: Click "Free Collection" to enter the rights details page, click "Apply Now" and click "Apply for Card" to enter the online application page of Pudong Development Credit Card;
Step 5: Click Next, fill in the credit card application form according to the prompts and submit it for approval.
What credit card can naughty value apply for? Is the card approval rate high?
Naughty value is a member scoring system of Taobao, which can provide rights and interests for users according to their scores. For example, users with naughty value above 600 can find the application entrance of credit card. So, what credit card can Naughty Value apply for? Is the card approval rate high? Let's have a look.
What credit card can naughty value apply for?
Although naughty value can apply for a credit card, there are not many credit cards that can be handled. Only Shanghai Pudong Development Bank, China Guangfa Bank and China CITIC Bank apply for credit cards, and the number of credit cards they can handle is limited. Only Taobao credit cards can be processed, as follows:
1. Shanghai Pudong Development Bank: If the naughty value is ≥400, you can apply for the Pudong Dream Card Taobao member credit card. New customers can apply for a credit card with no annual fee. On September 30th, they will complete three 150 yuan transactions, or handle the installment. Depending on the membership level, you can get a card payment of up to 188 yuan or a gift with a value of 1000 yuan.
2. Guangfa Bank: You can only apply for Guangfa Taobao cards, including translucent fluorescent ordinary cards and pure black matte gold cards. On February 3rd 1 day, a new customer applies for a card through the mobile phone Taobao page, and activates it at the outlet within 60 days, completing any first transaction, such as 1 Countable Points transaction or1Alipay transaction. According to the membership level, they can send a credit card.
3. CITIC Bank: Only the Taobao card (naughty bag version) of CITIC Bank can be processed, including the platinum card and the gold card of naughty bag. Taobao svip Shenka can use the naughty bag card on Taobao Member Day on the 8th of each month to exchange 9 shares through Alipay Express Trading 1 88 yuan, which can be exchanged for Star Dad mugs, Haagen-Dazs and so on. Free of charge; Every month, Alipay quickly pays 3 99 yuan and above, and enjoys a five-star buffet for two people and one person for free.
Is the approval rate of credit card application high?
Naughty value credit card application is a channel for online credit card application. Although banks will refer to the naughty score when approving credit cards, they will finally decide whether to approve the cards according to the credit status of the applicants. The factors that affect the success rate of card processing include age, marital status, education, occupation, work unit, working years, income level, assets status, liabilities, etc.
In addition, you only need to fill in the application form, but you can't submit financial proof. Therefore, in order to improve the success rate of card handling, you have to work hard on the application form, and you can fill in the information in detail as much as possible, and at the same time, you must ensure the authenticity of the information, which can be exaggerated a little, but not too much. Remember to fill in the correct company address, name, etc.
What credit card can naughty value apply for? Is the card approval rate high? " I hope it helps you. In short, the number of credit cards applied for by naughty value is limited, and they are applied online, so the card-issuing rate will not be as high as that at the counter. However, mastering some skills when filling in the application form can improve the success rate of card processing.
How long does it take to apply for a credit card? What if I fail?
Naughty value is the best membership scoring system in Taobao, which provides users with different levels of membership rights according to the naughty value, among which the most basic right is to apply for a credit card. So, how much is naughty worth to get a credit card Is it easy to apply for a credit card? How long does it take to get rid of the card? What if I fail? Let's take a look together.
1. How much naughty value can I apply for a credit card?
According to the quantity, if the naughty value is 600, you can find the credit card application entrance in Taobao Member Center. However, there are not many banks that can apply for credit cards through naughty value, only Guangfa, CITIC and Pudong Development Bank, and the types of cards that can be applied are limited. Different banks have different requirements for applying for naughty value.
1. Guangfa Bank: There is no specific requirement for naughty value, but only Guangfa Taobao cards can be processed, including translucent fluorescent cards and pure black matte gold cards.
2. CITIC Bank: There is no specific requirement for naughty value, but only the Taobao card (naughty version) of CITIC Bank can be handled, including naughty platinum card and naughty gold card.
3. Shanghai Pudong Development Bank: It requires naughty value ≥400, and can only apply for Taobao member credit card of Shanghai Pudong Development Dream Card.
Second, how to apply for a credit card for naughty value
1, open the mobile phone Taobao app-my Taobao, enter the member center and find "selected rights" in the member club;
2. If you meet the requirements, you can see "Member CITIC Credit Card", "Member Pudong Development Credit Card" and "Member Guangfa Credit Card";
3. Select one, click to enter the application page, select a credit card, and click "Apply for the card now";
4. Fill in the credit card application form according to the prompts and submit it for approval.
3. How long does it take to apply for a credit card?
Naughty value applying for a credit card is actually an online application, and the speed of online application is generally faster. If a netizen feedback to apply for naughty value, it will generally be approved within 24 hours and get the card as soon as possible.
However, when approving credit cards, banks should not only refer to users' naughty values, but also make a comprehensive evaluation based on the application materials and credit status submitted by users, which will lead to the successful approval of some people, but also lead to the rejection of others. It can be seen that naughty credit cards are not the only criteria for approving cards, but the applicant's own qualifications are important.
4. What if the naughty credit card fails?
If the naughty score is high, but the application for credit card fails, one possibility is that the applicant's credit information is not up to standard, and the other possibility is that the applicant's qualification is not up to standard.
Generally, white households, those with poor credit information, are easy to be rejected by naughty value cards. If their credit is good, they are also rejected, probably because the applicant's job and salary income can't meet the requirements of the bank, such as the applicant's short working hours and low salary income, or the applicant's job is restricted by the bank.
If the card application is rejected through the naughty value, it is recommended to choose the credit cards of the other two banks, or apply again after three months.
These are "naughty values". How long does it take to apply for a credit card? What if I fail? "I hope it will help you. According to the above introduction, you can only apply for Taobao credit cards of three banks through naughty value, and pass the examination within 24 hours at the earliest after submitting the application. However, when approving credit cards, banks will refer to the applicant's qualifications in addition to the naughty value. If the qualification is not good, even if the naughty score is high, the application will fail.
This concludes the introduction of naughty credit card and naughty card points. I wonder if you have found the information you need from them?