Many friends think that it is easier to apply for a credit card because the salesperson will come to their door to ask for help. But this is not the case. Although nearly 700 million credit cards have been issued, there are still some friends who cannot apply for them. So, who can’t apply for a credit card in 2020? Let me briefly introduce the relevant information to my friends.

1. People who do not meet the basic conditions. The bank stipulates that the age of credit card applicants is between 18 and 65 years old, so minors will definitely not be able to apply. If you are too old and want to apply for a credit card over 65 years old, the success rate will not be very high. After all, the bank will worry about repayment. No overdue issues. However, it is possible to apply for an additional card for the primary cardholder.

2. People with poor overall qualifications. Comprehensive qualifications include many factors, such as the applicant’s academic qualifications, work situation, income, debt situation, whether there are assets in the name, whether there are bad habits, etc., all of which need to be considered. If the comprehensive score is insufficient, it is also It is possible to be rejected by the bank. Reminder: A bad credit report will definitely be rejected by the bank.

The above is a brief introduction to "Who cannot apply for a credit card", I hope it can provide some help to my friends. What needs to be reminded is that if you use a credit card, you must remember to pay off the balance before the repayment date. Otherwise, if it is overdue for a long time, not only will you be charged a corresponding late fee, but it will also have a negative impact on your personal credit.