Why did you receive a credit card without applying for a credit card?

If a customer has clearly not applied for a credit card but received a credit card bill, it is probably due to the following reasons:

1 .The bank sent the wrong account

Maybe the bank mistakenly sent the wrong account number when sending the credit card statement to others, resulting in the other party not receiving the information. Instead, the customer who sent the wrong account received it.

2. Identity information has been stolen

Perhaps the customer failed to keep personal identity information properly before, resulting in information leakage and criminals stealing the information to apply for a credit card. And because the information you fill in is the customer's information, the bank is naturally looking for the customer and will not look for criminals who are using their identities.

It is recommended that customers call the bank customer service after receiving the credit card statement to inquire and find out what is going on. If the bank just sent the wrong information, the customer does not need to worry, it will not have any impact; If personal identity information is used by others to apply for a credit card, the customer must explain to the bank that in order to prevent personal money from being damaged, a report can be made to the local public security department.

CreditCard is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

The form of a credit card is a card with the name of the card-issuing bank, validity period, number, cardholder name, etc. printed on the front. Consumers holding credit cards can go to a special commercial service department for shopping or consumption, and then The bank makes settlements with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

The earliest credit card appeared at the end of the 19th century. In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit line. In the 1950s, McNamara, a credit expert in Manhattan, was dining in a restaurant. Since he did not bring enough money, he had to ask his wife to send money over. This made him feel very embarrassed, so he organized the "Diners Club" (English: Diners Club). Members can bring a dining charge card to 27 designated restaurants to record their consumption without having to pay cash. This is the earliest credit card. Franklin National Bank was the first bank to issue a credit card, and other U.S. banks later followed.

It is said that one day, American businessman Frank McNamara was entertaining guests for a meal in a New York hotel. After the meal, he found that he had forgotten his wallet with him. He was deeply embarrassed and had to call his wife to bring it with him. Pay cash at the hotel. So McNamara came up with the idea of ??starting a credit card company. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases. This kind of credit card that does not require bank processing is still a commercial credit card.

Why are there two credit cards in my name that I have never applied for?

Xiaocai recently received a message from a netizen, Mr. Gao, saying that he was checking his credit record. At that time, I found that I had two credit cards in use. One card had a limit of 6,000 yuan and had spent 5,515 yuan. The other card had a credit card limit of 20,000 yuan and had spent 20,050 yuan. But Mr. Gao said that he had never applied for a credit card, let alone used it. So where did these two credit cards come from?

According to Mr. Gao, after discovering this situation, he first found the bank. "I went to two banks to argue, and they said I don't have to pay it back. I asked him and I said if I don't have to pay it back, I said who will be responsible for credit problems. He said we can't clear it for you, and I said we can't clear it for me. I didn't sign, and you didn't record the card delivery. There is no record of me. I said how the card was issued. In addition, my ID card is on me, and where did it come from.

”

Both banks responded that according to bank regulations, credit cards can only be applied for by bringing the identity card.

Mr. Gao did not understand. In this case, he did not go there himself and did not If you entrust your ID card to someone else, how do you handle these two credit cards?

The bank staff said that they now know that the person using the card is a customer service officer named Wu, and that The bank has also applied for a credit card for the household's workplace.

The bank asked me to apply for it at the (county) government office building. I got a lot of them, and the ID card was probably correct. Sometimes the ID card (photo), whether young or old, is not visible, and there is a mistake, but it means that the person (using the card) is found.

The staff said that it was because it was a bank at the time. When applying for a card, the staff may not have verified it one by one. It is possible that the card applicant and the card user are not the same person.

The staff said that they can help Mr. Gao cancel the credit card first. Then the bank will investigate in detail to see if there is any operational error, and finally give Mr. Gao an explanation: If there is evidence that he did not handle the credit card himself, Then the bank should be responsible for the corresponding lax review to the depositor. If it causes corresponding losses to the depositor, then the bank also needs to be responsible for compensation, and the person who uses the customer's ID card to apply for a credit card, he You need to be responsible for the corresponding civil liability.

Will there be any problems if you have not applied for a credit card?

Now, whether you apply for a credit card or an online loan, you will be charged. There are certain requirements for credit. For example, if there are problems with the credit report, it will be difficult to pass the review. Many people have never applied for a credit card and think that their credit report is good, but it turns out that there are problems with the credit report. Why is there a problem if you haven’t applied for a credit card?

Is there a problem if you haven’t applied for a credit card?

It will affect your credit report. It’s not just credit cards, it also includes loans and other overdrafts that are subject to credit bureaus.

1. Let’s talk about loans first. Many loans are now subject to credit bureaus. Although I have never applied for a credit card, I have. For loans, a hard inquiry record of loan approval will be left on the credit report from the beginning of the loan application. If the application is successful, the loan information will be displayed. If there are too many hard inquiry records in a short period of time, the credit report will be easily spent. Once the loan is approved, the loan will not be repaid in time. , there will be problems with credit reporting overdue, ranging from overdue to bad debts, compensation and other special transaction records, etc.

2. Let’s talk about credit cards. Some people think that there is no solution. I have not applied for a credit card, but I applied for it myself. Even though I did not pass the review, my credit was checked. A hard inquiry record of credit card approval will be left on the credit report. This will happen too many times in a short period of time. Also, if you have never applied for a card, but someone else has applied for a credit card under your name or failed to repay the loan, it will also cause problems with your credit report. However, this is a special case. You can file an objection application and ask the credit reporting agency to cancel it. .

In addition, there are also guarantees for others. The borrower's failure to repay overdue payments will also affect the guarantor's credit report; and judgments related to financial matters will also be recorded on the credit report. These are also problematic credit reports, even if you have never applied for a credit card.

If you have never applied for a credit card, should you apply for it or not?

I think it is better not to apply for it. There are many risks in applying for it.

1. Overdue risk. After using a credit card, you need to repay it on time, but there are many people who accidentally forget the repayment date and end up overdue. Once a credit card is overdue, you will face negative consequences such as collections, penalty interest, and credit citations.

2. Risk of excessive overdraft. Credit cards allow for overdraft consumption, which makes it possible for some people who do not have the ability to control themselves to overspend. Once the cardholder overspends, he or she may be unable to repay.

Credit card introduction:

A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit.

It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back.

Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with the merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Will not having a credit card affect your loan?

Many friends will think that credit cards and loans are two different things. Not having a credit card will not affect your loan application. Even so, I want to tell you. Yes, applying for a credit card can increase the success rate of loan application. Why is this?

Many users who have never applied for a credit card will go to the bank for a loan when they are in urgent need. However, one of the application conditions for loan products of many lending institutions is that they "do not accept white credit accounts." This is undoubtedly a blow to those white credit accounts and completely blocks their way to make money.

So, why is the loan application for Baihu rejected?

The main reason why Baihu’s application for a loan was rejected is that they have never applied for a credit card and have never applied for a loan. Therefore, in terms of credit reporting, it can be said that they are not very qualified because the bank is under the central bank Their credit report cannot be found on the credit reporting system. Here are two points to explain:

1. The personal credit report on the central bank’s credit reporting system is used by banks to examine the applicant’s integrity. A very important basis, so when approving a loan, banks and some other lending institutions will check the applicant's personal credit report.

2. Because Baihu has not handled any bank-related business, their credit record is blank, which makes it impossible for banks or lending institutions to know the applicant’s credit. situation, so generally they will not be easily approved for loans.

The easiest way to get rid of the white household status is to apply for a credit card

After applying for a credit card and holding the card for consumption for 3 to 6 months, then the credit information system will It will have your credit record. If you repay your purchases on time and establish good personal credit, it will be of great benefit to apply for a loan.

Of course, in addition to helping to apply for a loan, applying for a credit card also has many benefits. For example, you can participate in the credit card promotions of major banks, which can save a small amount. Of course, applying for The most important thing about a credit card is that it can be used for emergencies when you have no money.

Credit cards are so good, but for white accounts, you may not be able to get approved once you apply. For those who are currently rejected, please try to apply from several banks, as long as you have a stable income. and proof of property, you will definitely succeed if you try a few times.

Why do you say there is a problem with my credit report when I have never applied for a credit card or loan?

The reason for low credit is that on the one hand, the credit card and loan are overdue, and on the other hand, it is because you have not applied for any loan. With a credit card, there is no good information to prove your financial ability, so your credit rating will be relatively low.

As long as your credit is not low due to overdue payment, it is easier to handle. The best way is to apply for a credit card and then use the card to make purchases normally. This will slowly improve your credit.

Extended information:

Taboos about credit reporting:

1. Overdue

Nowadays, the number of people with credit cards is gradually increasing, and Once a credit card is overdue for three consecutive times or a total of six times within two years, or if an overdraft is not repaid before the repayment date, a record will be left in the personal credit report, which will naturally affect the future. Home loan application.

At the same time, in addition to credit cards, if you have already had a house loan or a car loan before, be sure to repay it on time, otherwise, the repayment status of the old loan will also affect your subsequent payments. Other loan applications.

2. Always pay attention to loan interest rates to avoid overdue interest

Bank loan interest rates are different every year. If bank loan interest rates increase, interest will naturally increase. At this time, if you still pay the monthly payment according to the original amount, the interest arrears will be overdue, which will also affect your personal credit score.

3. You must use it after the credit card is activated

As long as the credit card is applied for, it will be used. However, some people apply for credit cards to help their friends complete their performance. After getting a credit card, many people will put the credit card aside. In the long run, it will become what we call a "zombie card".

In fact, many people don’t know that these credit cards will incur annual fees even if they are not used, and if they are not paid, they will produce a negative credit record. Therefore, it is best to think carefully when applying for a credit card, so as not to use it again. For those users who have already applied for a credit card, if they really don’t want to use this credit card, it is best to cancel it to avoid any impact on themselves!

For those who have never applied for a credit card, let’s stop here.