Current location - Trademark Inquiry Complete Network - Overdue credit card - What's the matter with the bank not allowing credit cards?
What's the matter with the bank not allowing credit cards?
1. Under what circumstances will the bank refuse to apply for a bank card? There are three main situations:

1 There is no valid certificate, or the ID card is invalid, so it is impossible to search the network in the system. Only with the certificate of the public security department can it be handled.

2. If it does not meet the age of single card opening: 16, the guardian is required to issue the valid identity documents of the agent and the principal and the documents to prove the relationship between them, and the guardian and the ward will go to the bank together to handle it.

3 If it is a credit card, the credit information is poor, and complete information cannot be provided. Generally, it will not be handled if there is no stable income.

Two. Matters needing attention in handling bank cards

1. Annual bank card fee. Some banks will charge applicants a certain annual fee, generally 10 yuan, which is charged once a year at a fixed time. If the bank card applied by the applicant is only used once, you can consider canceling the card after use to avoid paying more annual fees.

2, whether to open e-commerce. When handling bank cards, bank staff will actively recommend customers to handle online banking, mobile banking and other related electronic services. For this kind of business, customers can freely choose to handle it, and there is no binding. Users should handle it according to their own needs.

3. Opening of a third-party account. Common tripartite accounts are financial accounts such as fund accounts, stock accounts and precious metal accounts. For customers who need financial management in this area, they can ask the bank staff to open the wrong card together. It should be noted that a stock account can only sign an agreement with one bank account. If you want to change banks, you need to cancel the contract of the previous bank account first.