A good credit record is a stepping stone to handling credit cards. Then, for friends with bad credit records, once they have a credit stain, is it impossible to get a credit card? In fact, this is not absolute, and it must be analyzed according to the actual situation.

Bad credit is generally due to overdue, such as loans overdue, overdue credit cards and so on. There are many such people, and some people often forget the repayment time, or are too busy to lead to overdue mortgages and credit cards. This phenomenon can be said to happen from time to time.

When banks approve credit cards, they usually go to the central bank's credit information system to check the applicant's credit status. If it is found that the applicant has a bad credit record, it can refuse to approve the card. After all, for the sake of risk control, banks will think that it will be bad for people who don't pay attention to integrity to approve cards.

However, this will not happen overnight. Whether you can apply for a card with a bad credit record depends on the situation.

take for example

Xiaoyu's mortgage is overdue once, which leads to bad credit. She wants to apply for a credit card when she is short of money. She applied for credit cards from several banks at the same time, but they were all rejected. Finally, she called the bank customer service and learned that it was difficult for her to apply for a credit card.

analyse

Actually, Kohane's situation is that Kohane has a mortgage overdue, so she has a bad credit card. Judging from the plot analysis, her overdue degree is not very serious. Generally, she can still apply for a credit card from a commercial bank.

After all, for the bank, the applicant has been overdue once or twice, and the overdue situation is not serious. As long as other comprehensive scores pass, the card will still be approved.

But it happened that Xiaoyu's card application was rejected. Another reason is that she applied for credit cards from several banks at the same time, so that banks can see her application records in other banks in the credit information system, thus doubting the real purpose of applying for cards. Besides, Xiaoyu is overdue. Generally speaking, it will affect the result of applying for the card.

How to apply for a credit card with bad credit?

I don't know if you have such a situation. Obviously, your own conditions are good. It stands to reason that it is no problem to apply for a credit card. Who knows that the reality is so cruel, and the card is actually because the credit has not passed.

Then, how to apply for a credit card if the credit information is not good? According to three situations, I will teach you several coping methods.

Scenario 1: Credit Xiaobai

Credit white refers to people who are not recorded in the credit information system. These people have never had a credit card or loan. Although there will be no credit stain, it is because of the zero record that the bank is not at ease to handle the card for you.

After all, for banks, the credit record is blank, and you can't know your credit situation. In order to avoid risks, naturally, it is not easy to approve cards.

Therefore, when applying for a credit card for the first time, Credit Xiaobai must shop around, choose some banks with low application threshold and apply for some credit cards that are easy to handle.

Situation 2: Overdue repayment

Overdue repayment is the main reason for poor credit reporting. Cardholders with overdue records want to apply for a card, so it is best to choose a credit card from a commercial bank, because generally speaking, the threshold for applying for a credit card from a commercial bank is relatively low.

If the applicant has good comprehensive conditions, such as stable work (civil servants, institutions, etc.). ), high income and high property certificate (especially vehicle certificate), even if it is overdue once or twice, it is possible to apply for a credit card.

It should be reminded that when submitting the application materials, you should provide sufficient and detailed application materials as much as possible to increase the success rate of handling the card. For details on how to improve the success rate, please refer to this article.

Situation 3. Bad credit caused by other people's reasons

If someone steals your ID card information to apply for a credit card, you will not repay the loan after the overdraft, which will affect your personal credit. In this case, it is recommended to file an objection application with the bank, and the bank will generally give you an answer.

Reminder: Bad credit information is generally difficult to pass credit card approval. Even if it passes, it is a small or zero overdraft credit card, so everyone must develop good credit.

Can I get a credit card with bad credit?

As we all know, when applying for a credit card, banks will go to the central bank's credit information system to check the applicant's credit information. Once the applicant is found to have bad credit, it is likely to refuse the visa, but this does not mean that the credit card cannot be handled. It is also a solution.

Credit cards have the functions of overdraft, overdraft, withdrawal of overdraft fees and installment payment, so banks have higher credit requirements for credit card applicants. In addition to requiring cardholders to meet the conditions for handling cards, they must have a stable job and income, and they must also have good credit.

However, this does not mean that if you have a bad credit record, you must not apply for a card, but it is more difficult. After all, when handling credit cards, the credit card audit center can easily see the credit information of each applicant. For people with poor credit information, they are often rejected by the credit card center because of this.

However, this is not absolute. If the bad credit is only overdue once or twice occasionally, and the overdue time is short, it is not long before the payment is paid off, you can still apply for a credit card, but remember not to apply for credit cards from multiple banks at the same time. You'd better apply for another one after one is rejected.

In short, personal credit is very important to everyone, whether it is applying for a credit card or a loan, it has a great influence. Therefore, in our daily life, we should pay more attention to our credit.

So, what about bad credit?

According to the "Regulations on the Administration of Credit Information Industry", the retention period of personal bad credit records by credit information agencies is 5 years from the date of termination of bad behavior or events; More than 5 years, should be deleted.

It can be seen that bad credit can also be eliminated. If it is bad credit caused by overdue credit cards, you must continue to use credit cards after paying off debts, swipe more cards, repay on time, cover bad credit records with new credit records, and apply for other credit cards two years later.

I would like to remind you that online advertisements that spend money to eliminate bad credit are deceptive. In order to ensure the authority of the database and the change of personal credit records, there are strict audit procedures, which must be approved and implemented by the central bank. The place has no right to operate, let alone change it casually. Therefore, it is absolutely impossible to spend money to eliminate the bad credit records of banks.

Can I apply for a credit card if my credit is bad?

First, you can apply for a credit card if your credit information is not good, but the probability of passing is lower than that of ordinary people, because your credit information is an important indicator for banks to refer to; Individual banks will issue credit cards when the bad credit record is light. In this case, the credit card limit will be relatively low, but it can be increased through good use habits in the later period. First of all, we must repay the loan on time and not overdue.

Second, if the credit card you are using causes bad credit reporting, you'd better pay off the overdue debt, continue to use the credit card for 2 years, and repay the loan on time within 2 years, so that you can overwrite the original record with the new record, and it will be very easy to apply for a credit card in the future. However, according to the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; Those older than 5 years should be deleted.

Third, in fact, in addition to not being able to apply for a credit card, many aspects will also be restricted. For example, if you apply for a housing loan, you need to check the credit information. If the credit is not good, the bank will refuse the loan; When applying for a car loan, you also need to check your personal credit. If the credit is not good, you won't get the loan. Moreover, some companies also check personal credit information when recruiting. In short, bad credit information will cause many problems, so it must be protected in peacetime.

If you want to apply for a credit card with bad credit, you need to pay off the previous arrears and apply again after the bad record is eliminated.

1. If the credit card is blacked out and cannot be cancelled, it will be counted as bad credit.

2. Chapter III Article 16 of the Regulations on the Administration of Credit Information Industry ① The retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. (2) During the retention period of bad information, the information subject may explain the bad information, and the credit reporting agency shall record it.

3. If it is not paid off, the bad record time can be traced back once, and then traced back to five years or forever. Providing the following information is helpful to improve the credit limit, such as: a copy of the running list of China Merchants Bank's savings account in the past three months; Original proof of asset balance of wealth management account opened by China Merchants Bank; A copy of the property ownership certificate (including my name), and a copy of any water, electricity and coal invoices of the property in the last 3 months; A copy of my driver's license. Audit is comprehensively evaluated by the system, and there will be many reference factors, such as work, income, stability, personal credit and so on, which are not determined by unilateral factors.

How to apply for a credit card with bad credit?

Reminder: once you have a bad credit record in the bank, you can't apply for a credit card in the short term.

If there are bad records that need to be eliminated, it is recommended not to be overdue. Banks are all open, and that company is unwilling to lend to people who are unwilling to repay. Once overdue, the credit card application is estimated to be directly rejected.

1. If parents have credit cards, apply for supplementary cards for parents.

2. Use a large sum of money to get a VIP card of the bank, and let the financial manager introduce it to you later (no guarantee).

3. Some banks can apply for credit cards through pledge. For example, in the past, Guangfa could freeze 3k in some areas and then give you a 3k credit card, and then freeze your funds after a period of time (for example, two years later) if the record is good enough.

4. See if the company can handle business cards.

This is the end of the introduction about how to handle credit cards with bad credit records and how to handle credit cards with bad credit records. I wonder if you have found the information you need?