1. When a bank approves a credit card application, it generally makes a comprehensive evaluation of the applicant's credit history, including the company's credit status. If the company's corporate credit card has an overdue record, it will be regarded as the embodiment of the company's bad credit and have a negative impact on employees' personal credit evaluation.
2. Even if the former boss has changed his personal practice and the company name remains unchanged, the bank will still pay attention to the company's credit status when approving employees to apply for credit cards. Therefore, employees working in this company may be rejected by the bank when handling credit cards.
3. If your former boss's credit card overdue record is very serious, in this case, the employee's credit evaluation may be considered risky, and the bank may refuse the employee's credit card application.
To sum up, overdue corporate credit cards will have an impact on employees' credit card applications. Depending on whether the company's original boss has changed or not, employees may be rejected by the bank when handling credit cards, because the bank will comprehensively consider the influence of the company's credit status on employees' personal credit evaluation.
Extended data:
Banks usually consider many factors when approving credit card applications, including personal credit status, income status and the credit status of the company where they work. The overdue status of corporate credit cards has a certain impact on corporate credit and employee personal credit evaluation. Therefore, it is suggested that employees should try their best to ensure that the company's credit status is good before handling credit cards, so as to avoid personal credit evaluation being affected by the company's bad credit.
In addition, different banks will have different credit card approval standards and policies, and some banks may have different concerns about the company's credit situation. Therefore, if employees are rejected when applying for credit cards, they can try to apply to other banks, but they still need to pay attention to the influence of company credit records on personal credit evaluation.
In short, overdue corporate credit cards will have an impact on employees' application for credit cards, and employees may face the risk of being rejected by banks when handling credit cards. It is suggested that employees pay attention to personal and company credit status, ensure good credit management and improve the success rate of credit card application.