The credit card approval standards of major banks are very close, and the scoring standards are as follows:
1. Work situation:
1. Freelancing: -5 points
2. Unskilled technical work: 0 points
3. Skilled technical work: 3 points
4. Civilian staff: 6 points
5 , Management position: 12 points
6. Professional and special work: 18 points
2. Legal age:
1. Under 22 years old: -5 points
2. 22-23 years old: -1 point
3. 24-26 years old: 3 points
4. 27-30 years old: 7 points
p>
5. 31-40 years old: 10 points
6. 41-50 years old: 14 points
7. Over 50 years old: 12 points
3. Bank statement:
1. None: -8 points
2. 1 account: 0 points
3. 3 or more: 6 Points
4. Salary distribution: 8 points
5. Interest settlement for 6 months: 12 points
6. Deposits for more than one year: 24 points
IV. Landline:
1. None: -2 points
2. Home landline: 2 points
3. Work unit landline: 5 points
5. Housing situation:
1. Short-term rental: 0 points
2. Long-term rental: 2 points
p>3. Real estate under mortgage: 10 points
4. Fully paid real estate: 16 points
5. Real estate worth less than 1 million: 18 points
6. Property value greater than 1 million: 24 points
7. Others: -2 points
6. Working hours:
1. Less than 6 months: 0 points
2. 0.6-1 year: 3 points
3. 1.5-3 years: 10 points
4. 3-5 Years: 16 points
5. More than 5 years: 21 points
7. Application records:
1. Applications more than 3 times within 1 month: - 2 points
2. Apply 3 times within 1 month: 0 points
3. Apply 3 times within 3 months: 2 points
4.6 Apply 3 times within a month: 6 points
5. Apply 3 times within 12 months: 10 points
8. Credit record:
1. None: -2 points
2. There is a record of overdue within 3 days: -6 points
3. There is a guaranteed record: -4 points
4. There is a supply Car record: 6 points
5. Housing record: 10 points
6. Excellent credit record: 18 points
9. Bank financial management:
1. None: 0 points
2. 50,000 short-term: 5 points
3. 100,000 medium- and long-term: 10 points
4. Short-term purchase of more than 200,000 yuan: 8 points
5. Short-term purchase of more than 500,000 yuan: 12 points
6. Short-term purchase of more than 1 million yuan: 20 points
Total score Value: 25-55 Approval amount: 0.1-0.5 million.
Total score: 55-65 Approval amount: 0.5-10,000.
Total score: 65-75 Approval amount: 10,000-20,000.
Total score: 75-85 Approval amount: 20,000-30,000.
Total score: 85-95 Approval amount: 30,000-40,000.
Total score: above 95. Approval amount: 50,000-70,000.
All scores for large credit cards (more than 150,000) are manually authorized (requires home visits, photos and group photos) and the following information is required:
1. Deposit amount.
2. Financial products.
3. Fixed assets.
4. Business license.
5. Income and social security.
National standard conditions for card approval by major banks:
1. Real estate book or house purchase invoice.
2. Car driving license (worth more than 300,000 yuan).
3. Social security card (more than 6 months old).
4. Commercial insurance policy.
5. Work certificate (preferably a legal person).
6. Working hours.
7. Personal academic qualifications (bachelor degree or above).
8. Answer the phone.
9. Business license.