Unlike traditional savings cards, credit cards have consumption limits. The consumption limit can be directly used for prepaid consumption and then paid after use. Currently, credit cards have become a common payment channel for most people. But nowadays, people applying for credit cards find it more and more difficult. What is the reason?

1. Bank supervision is tightening

Cards are also one of the main sources of income for banks, but they have nothing to do with consumers. Instead, every time a consumer uses a credit card, the bank will A certain handling fee will be charged on the consumption amount, but no additional deductions will be made. Therefore, when issuing credit cards, banks will vigorously promote them. In the early days when no one is applying, they will also use the form of gift cards to attract depositors to apply. However, as more and more users apply for credit cards, and because banks need to carry out risk control, banks are becoming more and more strict in issuing credit cards. Therefore, banks will tighten policies on bank credit lines to ensure that their risks are within controllable limits.

2. Potential customers are gradually decreasing

Nowadays, credit cards have been widely promoted, so the credit business is well known to everyone. However, when applying for a credit card, after credit inquiry, most users currently not only apply for a credit card, but also take out loans on online loan platforms. In fact, the credit limit for such users is already very large. If you apply for a credit card on this basis, If a credit card is granted a credit limit, it is likely to cause a certain rate of overdue or bad debts in the future. Users who have applied for credit cards before have basically had no other credit business. As a result, credit card applications are becoming more stringent, also because the pool of potential customers is now smaller.

3. There is a clear definition of the household registration population

According to market surveys, the current main consumer force is the younger generation, and college students have very strong spending power among young consumer groups. , but now the bank clearly stipulates that college students cannot handle credit card promotion business, and has set certain limits on the limit. Considering that college students do not have a stable source of income, they cannot be allowed to consume too much. Therefore, after various regulations are introduced, the credit cards applied by users who could have applied for them will not be able to pass the review.

4. There are problems with the applicant’s credit record

In fact, we have entered the era of credit consumption, so credit reporting is very important to us. When applying for a credit card, the bank will Check personal credit reports, but some people may have applied for credit cards before, and there will be overdue credit cards during the use, so there will also be some bad records on personal credit reports.