No.

1. In the eyes of banks, academic qualifications can reflect the applicant’s income level to a certain extent. Generally, the income level of people with a high school degree or below will not be very high. In addition, people with high academic qualifications have high requirements for themselves. Letters are very important, and the risk of default will be relatively small. For this reason, banks will have requirements for applicants’ academic qualifications.

2. Of course, this does not mean that you can just fill in a fake academic qualification in order to apply for the card. After receiving the application and information submitted by the applicant, the bank will review the information submitted by the applicant. If it is found that your academic qualifications are fraudulent, the bank will refuse to approve the card.

3. In addition, even if you apply for a credit card based on your academic qualifications, once the bank discovers that the income certificate and academic qualifications are false, it has the right to immediately withdraw the credit card from the applicant and require the applicant to bear corresponding responsibilities. You must know that providing false information to apply for a card is an act of credit card fraud according to national law.

However, academic qualifications for applying for a credit card are not the only influencing factor.

4. If you do not have high academic qualifications, it is best not to apply for the card online, because online applications have higher educational requirements, and those with high school education or below may be directly rejected.

Therefore, it is recommended that card applicants with low education levels choose offline channels and go to the counter to find bank staff for detailed communication. If they can submit sufficient proof of financial resources, it is possible to successfully apply for the card. After all, proof of financial resources can best reflect the applicant's repayment ability. As long as the repayment ability is high and the academic qualifications are low, the bank may turn a blind eye.

1. Fill in the form truthfully. Unless your academic qualifications are really low, such as just graduating from a junior high school, then it is okay to fill in a high school or junior college degree. It is best not to always fill in a bachelor's degree or higher.

We all know that academic qualifications are a very important step in applying for a credit card. If your academic qualifications are too low, it will be difficult to apply for a credit card. After all, in the eyes of banks, academic qualifications are a reflection of a person’s quality. The higher the academic qualifications, the higher the quality, and the higher the income. People with higher academic qualifications pay more attention to personal credit, and the more bank funds are invested in these people. Safety.

2. Of course, this is just general logic. In real society, people with high education and low quality are not uncommon.

3. If your academic qualifications are fake, many banks can now check your academic qualifications through Xuexin.com. Once it is discovered that the information you filled in is fake and your personal qualifications are only average, it is very likely that you will be rejected directly. batch.

4. When applying for a credit card, what banks value most is personal credit, work and income. It is easier to apply for a credit card if you have a stable job. For example, a civil servant with a monthly income of 5,000 yuan. One is a private owner with an annual income of 200,000 yuan. Banks are more willing to issue credit cards to civil servants, because in China, civil servants often represent the word "stability."

5. If you don’t have high academic qualifications, Cobain suggests that it is best not to apply for a credit card online. You can apply directly at the counter and bring your proof of work and income. If you have assets, the pass rate It will be higher.