after applying for a credit card, the bank will comprehensively evaluate the applicant's age, education, marital status, residential address and work income. If there is a certain point that is not up to standard, you can't successfully get a credit card. After the credit card application is rejected, it will take at least 3 months to apply again, and during this time, you need to build the attention of the bank you want to apply for and improve the comprehensive score.
The basic conditions for applying for a credit card are as follows:
1. The age is between 18 and 65;
2. Have a stable occupation and income;
on this basis, different banks have different credit card application conditions. Therefore, it is necessary to spend more time to understand the relevant requirements before applying for a credit card.
Precautions for applying for a credit card:
1. The credit card limit is approved by many people and many links in the bank's full-time department, and will be graded according to the overall situation of the applicant. The scoring criteria include many aspects: the applicant's bank credit record, the nature of the work unit, age, marital status, position, income, real estate, cars and other assets. Usually, if there are only ID cards and income certificates of small enterprises, the amount of approval is about 5, yuan. If real estate and automobile assets are proved, the amount will be higher, starting from 1, yuan. If you apply for a credit card, bring: a copy of driving license, a copy of real estate license, a large deposit certificate, a stock fund, a certificate of valuable assets, a copy of other bank credit cards, etc. It will definitely improve the efficiency of card handling and increase the credit line for credit card approval.
2. The office telephone number left when filling out the application form must be a valid fixed telephone number, and someone will answer it. When the bank pays a return visit, it will ask simple questions, such as, does this person exist in the company and what position? The application form must be truthfully filled in and signed by myself, and the bank will ask questions about several items in the application form, such as home address, whether I applied and signed it.
3. The credit card will enter the card-making process after the bank pays a return visit. During this period, you can call the bank's customer service phone to check the progress and quota of the card, and the credit card will be sent to your home or work address by registered mail. When you receive a card, you need to call the bank to activate it (the activation steps are explained in detail in the letter). Except for a few credit cards, most credit cards have annual fees, which are generally exempted after swiping the card for 6 times on average.
4. It is free to apply for bank credit cards, but the more credit cards you apply for, the better. Too many cards will affect the new card and credit line. It is recommended that the number of applications should not exceed three.
Legal basis:
Article 196 of the Criminal Law of the People's Republic of China
Credit card fraud is committed under any of the following circumstances. If the amount of credit card fraud is relatively large, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and a fine of not less than 2, yuan but not more than 2, yuan shall also be imposed; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 5, yuan but not more than 5, yuan; If the amount is especially huge or there are other particularly serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 1 years or life imprisonment, and shall also be fined not less than 5, yuan but not more than 5, yuan, or his property shall be confiscated: < P > (1) using a forged credit card or using a credit card fraudulently obtained with false identification;
(2) using an invalid credit card;
(3) fraudulent use of another person's credit card;
(4) malicious overdraft.
the malicious overdraft mentioned in the preceding paragraph refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and refuses to return it after being urged by the issuing bank.
Theft Whoever steals a credit card and uses it shall be convicted and punished in accordance with the provisions of Article 264 of this Law.
Article 12 of the Measures for the Administration of Credit Card Business
The card-issuing bank may require the applicant to provide a guarantee according to his credit standing. The way of guarantee can be guarantee, mortgage or pledge.
article 15
the issuing bank shall establish an authorization examination and approval system.
the cardholder must obtain the authorization of the issuing bank when handling the transfer settlement and withdrawing cash by credit card.
article 16
corporate cardholders are not allowed to withdraw cash from bank outlets and ATMs in different places and within the city where they receive their cards.
Article 17
Cardholders are allowed to overdraw for consumer purposes within the limits and time limits stipulated in these Measures, with the overdraft limit of 1, yuan for gold cards and 5, yuan for ordinary cards.
article 18
the maximum overdraft period of a credit card is 6 days.
article 22
the special unit shall not refuse to accept the valid credit card legally held by the cardholder and issued by the contracted bank for any reason, and shall not charge the cardholder additional fees for using the credit card.