Why is it so difficult to apply for a credit card from the four major banks?

Why is it so difficult to apply for a credit card from one of the four major banks?

1: I have worked in a certain bank for about one and a half years. The four major banks are different from other joint-stock banks. Commercial joint-stock banks can handle it as long as their credit report is not bad. However, the four major banks Different, all banks are the same. As long as you deposit in a certain bank, you will be divided into silver card customers or gold card customers, whitelist, and of course VIP customers. Different customers have different credit card limits when they go to the bank. To be precise, It is said that the richer you are, the more credit lines you can get from the bank. The poorer you are, the more stringent the bank's risk approval department will be.

2: Credit cards require users to use different amounts of money in installments, thereby generating relative interest and making money

1: In layman’s terms, credit cards promote consumption by young people, and banks Earn more returns by taking depositors' money and lending it to people in need of loans or investing. Banks do not make money when young people repay their money on time for normal consumption. Banks like to let customers pay installments, so you can often receive Banks call you to ask you to make installments. The main businesses of the four major banks and other commercial banks are different.

2: For example, if a bank applies for a credit card, it can be approved as long as it is a white account. Their credit card usage is among the top in the country, and credit cards account for a large part of the business profit. Some banks will not allow you to apply for a white account. You must have used a credit card for more than a year before you are eligible to apply. The four major banks do not need to make money through credit card credit limits. You can use the credit limit, but if you don’t use it for a long time, It’s also a loss for the bank. If you don’t use it, the bank might as well lend the money to people who need it more and earn more interest.

3: Basically, the credit limits of the four major banks are very low. I have seen many people who have just purchased a card and have a limit of one thousand or two thousand, but as long as they are rarely used, plus the savings from the credit card issuer, There is a deposit in the card, and the basic limit can be increased quickly. As long as the customer is not short of money, the credit card limit can be increased very quickly. When one day you use a lot of credit cards, the post-loan management of the credit card will be able to find out whether you have used too much every month. You will be classified as a risk customer by the bank. If you have used online loans, you will be classified as a high-risk customer by the bank. Borrowing is also an online loan. If you have too many credit cards, you will be rejected, because in the eyes of the bank, you are a risky customer. Banks like qualified customers

3: Can the approval rate be improved if you apply for a credit card correctly?

1: Some banks can apply for it if you have a bare account, some banks require you to use the card for more than half a year, some banks have industry restrictions and will restrict some industries from applying for cards, and some banks prefer people with academic qualifications. Customers, some banks like customers who use less credit cards, and some banks like whitelist customers who have debit cards in their bank, so you need to understand the approval conditions of major banks before applying for a card. Some banks cannot handle the data in a messy manner. Some friends said that they were overdue five years ago and then paid it off, but there was no record of it in the credit report. Why can't they still get it done? That's because in the eyes of the bank, you are a high-risk customer and the big data is not good.

2: Some friends say: "If you don't have a credit card, you will be rejected as soon as you apply online." In fact, it is not the bank that rejects you. It’s the system, what we commonly call instant rejection, big data is messy, and the system can’t be entered. Now I’ll teach you a little trick, keep it up for a while, go to a bank where you have deposits, then go to the branch to apply, and it will pass. Four The same is true for big banks. If you have a bank debit card with them, and you have deposits and a large turnover, it is very easy to go to the branch to get through, and the credit limit is also high

The difference between domesticated and wild ones

Is it okay? I applied for ten credit cards at one time, canceled four of them, my friends used two, and I kept four. It is not used often and is mainly used on construction sites. Both Bank of China and ICBC have it, but I have not applied for it from Agricultural Bank of China and China Construction Bank. I have generally applied for it from other banks. All the small-amount ones were sold, and the remaining ones were kept as backup

CCB is relatively easy to handle. Although the limit is not high, the handling fee for line withdrawal is lower.

It’s not difficult. The key depends on the individual’s credit qualifications. I got all of them from the four major banks. I applied for the China Construction Bank Long Card first, and later applied for the ICBC (I canceled it because the credit limit was low), and the ICBC application was not approved again.

), followed by the Agricultural Bank of China and the Bank of China.

Why is it so difficult for Baihu to apply for a credit card?

Many card friends asked, saying that they were always rejected when applying for a credit card for the first time, and they wanted to know why it is so difficult for Baihu to apply for a credit card. . In fact, the biggest reason why Baihu’s credit card application is always rejected is because their credit record is blank and the bank has no way of knowing their repayment ability, so they will not apply for the card easily. So, how can Bai Hu apply for a credit card? Let’s take a look below.

Why is it difficult for white households to apply for a credit card?

Many cardholders who apply for a card for the first time are called white households because they have never applied for a credit card or loan. The so-called white households are people who have no personal credit record in the People's Bank of China's credit reporting system.

A big reason why it is difficult for these people to apply for a credit card is because their credit record is completely blank. The bank has no way of knowing your credit status, nor can it judge whether you have a certain ability to repay. , in order to control risks, banks are very cautious in approving cards for such people, and the level of review on them is even more stringent than those who have overdue cards.

This means that if you are a white householder and want to apply for a credit card, your personal conditions must not be too bad. Maybe someone else's income is not as high as yours, and their education level is not as high as yours, but if they have a good card usage record, the bank will be willing to approve the card.

How to apply for a credit card with a white account?

However, many cardholders start from a white account and gradually become card gods, which means that everyone cannot escape the first Once, then, for a white household, how can one get a first card in life? Here are three methods:

1. Don’t start with credit cards from the four major state-owned banks at the beginning. Of course, if your financial conditions are very strong, you can ignore it. Friends with average financial conditions can start with small and medium-sized joint-stock banks. Compared with the four state-owned banks, joint-stock banks such as China Merchants Bank and Bank of Communications are relatively tolerant of white accounts, so it is best to choose a credit card from such a bank as your first card. Not a bad choice.

2. It is best to apply for your salary card or a bank with large deposits and other assets, because these banks will have a certain understanding of your income through your salary flow and assets. This is also A plus when you apply for a credit card.

3. Do not apply for multiple credit cards at the same time. After all, for banks, if you apply for multiple credit cards at once, it is easy for them to misunderstand that you are short of money, which is very detrimental to the credit card approval.

4. Start with Puka. Although gold cards and platinum cards have higher limits and more generous benefits than ordinary cards, many banks will not give gold cards or platinum cards to friends who apply for a card for the first time because they have never owned a credit card. There is no way to know their repayment ability. Even if the applicant's income is high, they will only be issued a regular card. After the white household gets the regular card and uses it for half a year or more than a year, it will be easy to apply for a gold card or platinum card.

Reveal the reasons why it is difficult to apply for credit cards from the four major banks. Have you got it?

It is said that credit cards from the four major banks are difficult, but everyone wants to have a credit card from the four major banks; some people also say that there are so many credit cards on hand, but none of them is from the four major banks. Okay, this is a nightmare. Although it is indeed difficult to apply for a credit card from the four major banks, and even if you do, the limit will not be very high. So what is so good about the credit cards of the four major banks that makes everyone flock to them?

1. Why is it difficult to apply for credit cards from the four major banks? First of all, let me tell you some popular science. The four major banks refer to the four major state-owned banks: Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China, and Bank of China. They represent the four most powerful tycoons in China’s financial industry.

Because it is one of the "Big Four", it naturally has no worries about business, but it is still relatively aloof and arrogant, the kind where you ignore it and it ignores you. These four major banks prefer to cooperate with individuals/merchants with rich assets, and their standards for selecting customers will be higher, so it will be more difficult to apply for credit cards from these banks.

What are the best credit cards from the four major banks?

1. Demonstrating identity is a proof of asset strength. Having a credit card from one of the four major banks means that your assets are safe and you are a person with financial assets. Compared with other white accounts, they are high-quality customers with multiple assets and stability. Most of the customers of the four major banks are groups within the system, plus employees in special industries and middle and senior managers of private companies. How can they not be dignified?

2. It is easier to apply for credit cards from other banks. If you have a credit card from the four major banks, it will be easy for other commercial banks to check your transactions. If you want to apply for a credit card from other banks, such as Industrial Bank, etc. It is easier for commercial banks to apply for a card by card. On the other hand, as mentioned at the beginning, the selection criteria of the four major banks are very strict. If you have passed their inspection, it is no problem to apply for a credit card from other banks.

3. It is easier to obtain a loan amount. If you have a credit card from one of the four major banks, and you have cash flow to prove your assets, it will be easier to obtain a deposit qualification. Therefore, many people’s first choice for home loans is also the four major banks, because the approval amount is higher.

4. The first batch of credit cards has a higher limit. I also have a few credit cards in my hand, but the initial approval limits for credit cards from the four major banks will be relatively high. Although cards from other commercial banks are easy to apply for, the limit is only 10,000. about.

If you are recognized by the four major banks, you will be recognized by them as their own gifted customers, so their quotas are quite good.

If you don’t have a credit card from the four major banks, you can use these cards to make purchases. The amount consumed each time is relatively large, and the frequency is high, and the four major banks are guaranteed to be good. Credit cards from major banks, but like many cardholders, you want to have a repayment record that will make the bank feel that you are a "pregnant and wealthy" person, and can also be approved by the four major banks faster.

Why is it so difficult to apply for a credit card in Gansu Province?

The job is not fixed or it is an individual business owner, and the review progress of the application does not meet the requirements.

1. It is difficult to apply for a credit card in Gansu Province because your job is not fixed or you are an individual merchant.

2. The application review progress is not up to standard, which makes it difficult to apply for a credit card in Gansu Province.

Why is it becoming more and more difficult to get a credit card?

First of all, the answer is analysis. There are two main reasons why credit cards are becoming more and more difficult to apply for. First, banks themselves are subject to supervision. The China Banking and Insurance Regulatory Commission has explicitly prohibited excessive credit extension. Second, there are fewer and fewer high-quality potential cardholders. When they have time to apply for a credit card in the future, they will have already used credit products represented by Huabei and Weilidai, which indirectly makes credit reporting too expensive.

Let’s analyze in detail how these two reasons limit existing cardholders and potential cardholders.

Because banks themselves are subject to supervision, the China Banking and Insurance Regulatory Commission has explicitly prohibited excessive credit extension.

On October 10, 2019, the China Banking and Insurance Regulatory Commission issued the "Notice on Carrying out Rectification of Infringements of Consumer Rights and Interests by Banking and Insurance Institutions (Banking and Insurance Regulatory Commission [2019] No. 194)", which clearly stated: Do not intentionally develop credit card business for low-income people and develop high-risk users: including excessive marketing of credit cards to college students who have no ability to repay, and imprudent limit control; issuing high credit limits to customers with poor credit status or who have multiple credit lines ; Excessive marketing of installment business.

In China, there are only two top regulatory authorities for all financial institutions, the central bank and the China Banking and Insurance Regulatory Commission. You said that the China Banking and Insurance Regulatory Commission has issued a written order prohibiting such operations. Even if 100 banks are unwilling, they will not do so either overtly or covertly. Dare to openly disobey your superiors. In actual implementation, the direct manifestation is that the credit cards that could have been applied for are not granted, and the banking industry does not dare to let go of the somewhat flawed customer base.

There are fewer and fewer high-quality potential cardholders. When they have time to apply for a credit card in the future, they have already used credit products represented by Huabei and Weilidai

In recent years , despite the penetration of various financial lending institutions on the Internet, people have more choices besides banks if they want to use money.

Especially the younger generation, who have not yet reached the age to apply for a credit card, can easily use various installment credit tools. For example, buy mobile phones by installment with Home Credit, pay with Huabei, etc.

In the eyes of bankers, except for the formal use of credit products in the banking system, other types of credit products are basically classified as small loans. When college students wanted to apply for a credit card after graduation, they found that they had already been invaded by small-amount high-interest credit products like "Home Credit". When they wanted to apply for a credit card, they couldn't apply smoothly.

To sum up: the increasing difficulty of applying for a credit card is mainly due to the above two reasons. First, banks themselves are subject to supervision. The China Banking and Insurance Regulatory Commission has explicitly prohibited excessive credit extension. Second, there are fewer and fewer high-quality potential cardholders.

Of course, there will also be other objective reasons, that is, some people do not have stable jobs, and are essentially people with three no jobs. On the score sheet of the bank's credit review personnel, such people must apply successfully. It is also difficult to get a credit card.

Thank you: Why is it becoming more and more difficult to get a credit card? Because there are many people with low incomes! Failed to recharge on time! It is easy to cause financial losses and there are certain risks. Failure to replenish it in time will cause certain losses to national financial institutions.

Banks are not charities. They are at any time, especially now. The devastation of the epidemic has turned many people into poor people and losers in an instant. Banks are institutions that avoid risks because they will always only It will be the icing on the cake, rather than providing help in times of need!

Credit cards are becoming more and more difficult to apply for, especially for those who have never applied for a credit card or have problems with their credit report!

First, some people often overdue their credit card payments, while others are unable to repay them at all, and there are more and more such people, making it difficult for banks to recover their money. Therefore, banks are now more cautious in handling credit card business, which makes it increasingly difficult.

Second, for those who have already applied for a credit card and have good credit, it should be easy to apply for another credit card. In addition, it is not difficult to apply for a credit card for those who have had a loan from a bank and have never been late in repaying the loan.

Through loans, credit cards and other services, banks will conduct credit ratings on customers, and this credit rating can also be seen by other banks. So as long as you have good credit, it’s not difficult to get a credit card.

The main reason why people apply for credit cards now is due to the impact of the epidemic. Many people are under pressure from home loans and car loans. Many people choose to go to banks to apply for credit cards. In addition, due to the domestic market situation, many factories Companies have no business, and many people choose to take holidays, resulting in many people who are idle at home or without work. Nowadays, most of the people applying for credit cards are those without formal jobs and not very good credit. Some are slightly younger. To summarize the following points.

First: When applying for a credit card, you either fill it out randomly or it is not true.

Second: The applicant is too young, and the bank feels that you are unable to repay the loan.

Third: Crazy application for credit cards, applying from all banks, leading to a behavior in credit reporting. The bank will not make it easy for you to apply for a card, so try to wait for more than three months before applying.

Fourth: The applicant’s credit problem. Some people say that they have never been overdue, but the bank just won’t disburse the money. It may be that the bank has determined that you may have applied for many online loans and small platforms. There is a problem with your credit report.

Fifth: It’s not that it’s difficult to apply for a credit card, but you haven’t found the right way. It seems that some people have already purchased the card, and the limit is still high. Information is one thing, but there are also reasons for the platform you apply for.

Sixth: Basically, those born in the 1980s apply. If there are no overdue records, it will basically pass. This is a real case, look at the picture.

No matter whether you apply for it or not, you have to pay it back once you use it. Until that point, it is still not recommended to use a credit card. If you are not careful, you will fall into endless repayment of the credit card.

Coordinated in Liuzhou

The reason why it is difficult to make money

Do you have the corresponding abilities

For example, can your professional ability pass the test? Do you have the ability to learn and execute? Do you have strong beliefs? etc.

Do you have a good platform?

If you have abilities and talents, is there a platform for you to display them? Qingfeng relied on his strength to send me to the sky. Making money is not a one-person game and requires the help of a good platform.

Do you have a good circle?

This circle refers to your network of contacts and your financial circle. Your network of contacts can help you solve many things, and your financial circle can help you raise more money. funds.

Why is it so difficult to apply for a credit card? Lu Ming believes that there are the following reasons.

Is it difficult to apply for a credit card?

Because your hard qualifications and soft power are not developed.

Hard qualifications

Has your credit report been optimized? Or do you know that you need to optimize your credit report in advance before applying for a credit card? Optimize that aspect of information?

Have you provided good qualification certificates? For example, good employment certificates, social security provident funds, check-in salary statements, real estate, large deposits, etc.

Soft Power

Planning for credit card application, do you know how to arrange the application sequence for credit cards from various banks? Which bank is suitable for you to apply for according to your conditions? What are the taboos when applying for credit cards from various banks?

Do you look like a passer-by at first glance, or do you look like a white-collar worker? Do you speak with a hint of temperament as soon as you speak, or are you a successful person with a successful career?

Summary

Credit card processing, especially if you want to apply for a large credit card and use the credit card as leverage to finance, you need to plan and improve your hard qualifications and soft skills. strength.

Similar to making money, as your abilities in all aspects improve, making money will naturally be much easier.

I am Lu Ming, a financial worker working on the front line, providing you with low-interest and large-amount financing solutions! Welcome friends in Liuzhou to communicate via private messages!

1. It mainly shows that society has progressed and it is easy for banks to obtain personal data.

2. Personal integrity is also becoming more and more important, so the bank will record daily non-timely repayments.

3. When the economy is not very good, credit card issuance will also assess the risk. After looking at the user's daily income and expenditure, it will be determined whether the risk assessment requirements for issuance of credit card can be met.

4. On the contrary, for people with good personal credit, it should be easier to apply for a card than before, because there are more online card application channels and the process is faster than before.

5. In daily life, if you make better money by yourself, the bank will definitely take the initiative to apply for a card from you.

Hello, I'm glad to answer your question. 1. Credit products serve the purpose of taking care of others’ needs, promoting the flow of funds, and driving the economy. 2. In fact, it is essentially a business activity that makes money and uses capital to make money. I won’t talk about the operation method because I don’t understand it! But at least you have to predict and evaluate market conditions and assess risks! 3. In order to avoid risks, the number and limit of credit cards will be tightened when the general environment is not good. 4. Here comes the most critical question. Do you think it's difficult for something like this that is supposed to be the "icing on the cake" when you need help in times of need? For me, it’s too difficult [face covering]

It’s difficult to apply for a credit card. There may be a problem with your credit report

As far as I know, when a person If your debt is too high, some banks will check your credit report. Every time you borrow a loan, it will leave a mark on your credit report. When you want to borrow money again, or apply for a credit card, the bank will not check your credit report. It will be done for you because your debt is too high.

I don’t know if you have ever encountered door-to-door salesmen trying to apply for a credit card at a subway station or on the roadside in a park. These people claim to be able to apply for a credit card for you, and they can also place a lot of credit, especially now that you are special. When you need money or want to apply for a credit card, don’t blindly apply for these credit cards. If you want to apply for it, it’s best to apply at the bank counter. It’s best if these people just promote you and may earn you handling fees, but the final result will be useless. Let it go.

It is best not to use the most important credit card. Use every money you earn and never spend in advance.

A credit card is actually not difficult to apply for, but it is more difficult for some households with poor credit or white households!

For example, my first time applying for a card went smoothly because I had a mortgage in my name with a monthly payment of 7,000 yuan. In addition, I worked at Ping An, so it was very easy to apply for my own Ping An Bank credit card. That’s the limit of 35,000.

When you get your first credit card, start real consumption again, and if the repayments are normal and not overdue, the bank's system is open, and it will naturally be easier to apply for other credit cards. !

I have 7 credit cards under my name. The first 6 were all applied for before the epidemic this year, with a total credit limit of 420,000!

Generally, if there are more than 6 credit lines, the credit limit will basically be reduced. If you apply again, you may only have a limit of 10,000, or you may not be able to get it!

But last month, ICBC said that I could apply for one, so I applied for an ETC credit card online. It happened that the ETC on my mortgage and car were from them, and they were also 6 stars. The customer was approved for a card worth RMB 76,000, and he was quite satisfied!

Why is it so difficult to get a credit card?

A credit card is equivalent to a bank lending money to users. The user's credit will have a great impact on whether the money can be returned smoothly.

Therefore, the bank will review the credit card application, and the card will be issued only if the review is successful.

This ends the introduction on why it is difficult to apply for a credit card and why it is so difficult to apply for a credit card now. I wonder if you have found the information you need?