Here we go again. Better economic conditions and property level prove to be the second card of life and the middle of the fifth card. Basically, you will gradually step into owning a car and a house, or have credit cards from other banks as proof, and apply for credit cards online. Credit card is a way to spend in advance. Although you spend in advance, you must have the ability to repay. Where does the repayment ability come from? It depends on your flexibility and stability. What kind of people usually open cards easily? State-owned enterprises, enterprises and civil servants.
Because our income is stable, we have part-time salary and personal provident fund. Post grade, technical specialty and management method category. Such as doctors, teachers, financial accountants, programming technicians, etc. I don't like sales very much because the market sales are unstable and the overdue rate is relatively high. Credit card is a credit card, in other words, the loan amount allows you to trade, so the qualifications of credit card applicants, including the size of the amount, must have some norms, which are endangered by the applicant's comprehensive conditions.
College students are generally not allowed to apply for bank credit cards. If there is no stable income and repayment ability, it is generally difficult to apply for a credit card without a job, and it is very risky to repay the loan without income. Although financial institutions encourage you to apply for a credit card, you still have to pay it back after consumption, so someone will definitely be stuck. The general personal behavior of financial loans is recorded and stored in the system software of China People's Bank as a personal credit report, which can be read and queried as a basis for distinguishing customers' personal credit ratings.