Then we can interpret the above two points. First, the VIP card holder must control the risk. Because the card amount is large, once the overdue or bad debt loss is large, what should I do if the risk is controlled? First of all, the cardholder must have certain asset conditions, such as (real estate, luxury car, equity, deposit certificate, etc. Secondly, if you have assets, you must have a higher income to ensure the first source of repayment. For example, if you apply for a 200,000 VIP card and your annual income is only 30,000, you can't apply even if you have more assets, because you don't have enough income to prove your repayment ability. It's easy to misunderstand here. Many people think that I have a lot of assets, far exceeding 200,000. Why don't you let me get a 200 thousand card? Remember, what banks value is not your assets, but your repayment ability. Finally, a good credit record of China People's Bank is also necessary.
The second point: the bank is profitable, so you applied for a 200,000 card in the bank. For example, you may expect to give the bank a certain return. I have seen some customers deposit 2 million yuan in the bank with a fixed term 1 year, and then the bank gives him a card of 500,000 yuan. There are also some civil servants in leadership positions, and the bank gives him a card 1 10,000 yuan, because civil servants can pull deposits from the bank. There are also some business owners because he has a loan in this bank. The above cardholders have different backgrounds and different returns to banks, but they all have VIP cards! Even some people who don't meet the requirements of joint card have done it because they have a good personal relationship with bank staff. The above is the general situation. You can get to know it better. If you look carefully, you won't be surprised to find that people have set up a card of 6.5438+million yuan, and there is no asset!