People who apply for credit cards often check the pre-approval amount in advance, and then decide whether to apply for it, so as not to waste opportunities and make useless preparations. This is a good approach, but there is one thing to say. Will the card be issued to you after the pre-approval you check has an amount you meet? After you check the amount, will the card definitely give you that much? The amount you checked is one thousand, and then when you place the card, isn't it possible that the amount is ten thousand? Also, can’t the credit pre-approval limit be increased? I like the issue of credit. If you read it carefully with questions, I believe you can come in with questions and leave with a clear understanding.

1. After reviewing the pre-approval, I feel it is not ideal. Is there any way to improve it?

Develop pre-approval quotas: Strengthen business dealings with relevant banks, such as house payments, car payments, salary payment, turnover, financial management, etc. The general operations are to brush turnover and buy financial management. This is There are many effective cases, so I won’t give you examples one by one, otherwise I wouldn’t share them.

2. The credit card pre-approval was 1,000, but when I applied for the card, it was 10,000. Did the bank make a mistake?

It is not difficult to find that many people check the pre-approval before applying for a card, but the balance is not ideal. They think that it is better than nothing, not to mention that they can rely on the card maintenance the day after tomorrow to increase the balance. I knew it well and tried to swipe the card, but I was surprised when I checked the balance and found that there was a balance of 10,000 yuan. I was lucky but could not suppress my inner excitement and swiped the card. It turned out that I was not wrong. So what happened? What's going on?

? Credit cards generally only have pre-approval to have a chance of successfully applying for the card. If not, the chance is very small. How can this pre-approval limit appear? It has something to do with the bank. For example, if you open a savings card at the bank and then regularly deposit some money, withdraw some money or transfer funds, etc., there will be frequent financial transactions, and then there will be about two It takes three months to have a pre-approval limit on it. The bank will make an assessment, which is automatically done by the system. If you have a relationship with the bank and transfer money back and forth, after you see the pre-approval, you will be applying for the card. Don’t stop thinking about the liquidity of the card, and you will find unexpected surprises when you place the card.

3. If the credit card approval is not passed, how does the bank decide to refuse the card?

Many banks have different approvals. In addition to overdue credit reports, what other aspects of the credit report do banks look at? You need to know if you want to apply for a card, otherwise you may waste the opportunity again.

1. Information summary: Overdue and default information, once overdue, regardless of the amount, length of time, loan or credit card, each item will be recorded for five years

2. Credit and liabilities : All borrowings or credit card limits will show a lot of limits. Credit card holders will be refused by the bank to apply for a credit card loan limit increase on the grounds that the comprehensive credit limit is too high, so when applying for a credit card, you must first apply to a bank with a credit limit that is too high

3. Credit card loan transaction information: This includes all the loans and credit card usage under your bank name. The bank will focus on this. (1) I will not give you one example of what is included in the loan record. Each loan repayment record is for 24 months, and overdue items beyond 2 years will also be reflected in it; (2) Credit card usage record, which mainly records your borrowings. Or the repayments are the same, the status of the account, the amount used, the average amount used in the past six months, the maximum amount used and the current overdue amount of repayments this month

Excessive debt is considered a potential risk When you need to apply for a new credit card, you need to settle the credit loan and reduce the used limit of the credit card. Remember that the credit card loan will still be displayed in the credit report after it is settled and canceled. The cumulative overdue loans and credit cards in two years shall not exceed six times· , no more than three consecutive overdue payments.

4. The pre-approval limit, as your time increases, why did it exist before, but now it is gone after checking it? Even if it was pre-approved, it was still rejected?

In fact, you can often see the fixed limit column in this mobile banking. From time to time, a limit will be recommended. But not every time a recommended limit is given, everyone will succeed. So will the credit limit? Same reason.

? The bank gives you a pre-approval limit in advance based on your past business dealings with the bank

? The approval limit last week is gone this week. In fact, the pre-credit limit also has a cycle. The bank will update our data at regular intervals, so it is not difficult to find that you may be missing something. In fact, pre-approval means knowing your limit in advance, but there are certain differences in advance. If you want to keep your pre-approval limit or higher as much as possible, you need to keep in touch with the bank, which is the same as many things. It doesn’t mean it will be the same in the future. Well, it’s time to end it here. I wasted everyone’s rest time reading on the weekend, so I hope it will be valuable.