When we apply for a credit card, what will the bank evaluate? I think first of all the bank will evaluate a person's assets. For example, this person wants 10,000 yuan, but this person's assets add up to no money, or even have negative assets. In this case, the bank will not dare to deal with this person. Credit card, secondly, the bank will also evaluate the person's credit, because this is an important guarantee that represents whether the person can repay the money. Next, I will explain it to you in detail. 1. Assets are very important and can be evaluated.
When we go to the bank to apply for a credit card, the bank will definitely look at the assets in our name first. For example, we have a house and a car in our name, and there are no loans for the house or car. , then it means that we have a certain ability to repay. After all, if the credit card we apply for is really not repaid, the bank can also use our house to make a certain degree of discount, so we don’t have to worry about not being able to pay it back. 2. Will evaluate a person’s credit.
For banks, their main source of profit is to earn interest and a certain level of annual fees by lending money to others, so if a person's credit is not good, it means that this person You may not be able to repay the money, which means the bank's losses will be greater, so the bank will definitely evaluate a person's credit and check some of the person's borrowing records in recent years. If everything is good, the bank will issue a credit card. If it is not good or even seriously overdue, the bank may not handle it no matter how large the assets are. All in all, when a bank applies for a credit card, it will first look at the person's credit report. If the assets are very large, then the bank will be very willing to apply for a credit card for such a customer. Secondly, if the person has very few assets, or even negative equity, Or the person's credit status is very bad and has been seriously overdue. Banks generally will not handle it, otherwise the bank may suffer more losses.