1. College students have difficulty applying for a card mainly because they generally have no financial resources and have weak financial awareness. , banks will face risks such as overdue cards and bad debts when approving cards for them. Suggestion: If college students want to apply for a credit card, they can ask their parents to apply for an additional card, or they can apply for college student cards such as Pudong Development Campus Youth Card and Agricultural Bank of China Premium Card. However, these credit cards basically have 0 limits.
2. People without jobs, no savings, and poor repayment ability make banks worried. After all, if they approve cards, they will face risks such as bad debts. Therefore, people without three people want to Applying for a credit card is often difficult. Suggestion: If you want to apply for a credit card, it is best for people with no employment experience to find a stable job, work for 3 months and leave the internship status. You can apply for credit cards from commercial banks such as China Merchants Bank and Bank of Communications, and introduce China Merchants Bank Young Card, etc.
3. Retirees For banks, retirees are too old and have no source of income after retirement. They are also easy to become the target group of financial crimes. It is easy for criminals to approve cards for them. Using or stealing credit cards will result in losses. Suggestion: This kind of people can ask their children to apply for an additional card. The consumption of the additional card will be included in the main card transactions, so that the children can repay the loan at the same time.
4. People with unstable jobs include real estate agents, sales, private company employees whose wages are paid in cash, housewives, etc. The bank refuses to approve cards for them, mainly because these people cannot provide bank statements. Banks cannot tell their repayment ability from the flow of cash. Suggestions: First, if you have a car, applying for a car owner's card is more likely to be approved; second, if you don't have a car, you can buy bank financial products and become a high-quality bank customer, which will also help you get the card, or use packaging technology to package it.
5. People with bad credit. Bad credit is usually caused by overdue repayment. It is said that if you borrow something, you must repay it. It is not difficult to borrow again. Banks naturally prefer people with good credit, so they will not give them credit. It is natural for people with bad credit to have their cards approved. Suggestion: Use your card rationally, repay it on time, and maintain a good credit record. This will not only help you apply for a card, but it will also help other aspects such as personal loans, or apply for a loan user card.