Credit cards have a wide range of customers, and all people with independent civil capacity can become credit card customers. However, from the perspective of bank operation, it is necessary to define high-quality customers and avoid risk customers. How are banks divided?
0 1 high-end customers: customers with high contribution and low risk.
Generally speaking, credit cards spend more than 60% and less than 80% per month, and they have integral consumption and pay in full, or they are paid in installments, which are greater than 12, but the installment amount is less than 40% of the card amount, and 40% is the critical value. Generally, it is better not to exceed. This is a high-quality customer, and basically there will be 2-3 opportunities to withdraw cash every year!
This kind of customers will raise the amount quickly, and the quality of the consumers is high. The main point is just the external performance. The internal reasons are strong consumption power, high authenticity of consumer merchants and diversified consumption! That is, it has the ability to spend and repay.
Potential customers: customers with low contribution and low risk.
The monthly credit card limit is below 40%, never in installments. Because of the low risk, such customers are also popular with banks. Generally, if the card is used for more than six months, the bank will send short messages in installments, or short messages that can be withdrawn in installments, such as the installment withdrawal of Everbright and the installment withdrawal of Xingye.
If you want to increase the quota, you can accept staging at this time, but you should pay attention to not too much staging quota to avoid high cost. Generally, 3-6 issues are almost the same. Unless the bank has requirements for the number of periods, it must be divided into 12 or more to improve the comprehensive score, then there is no way.
However, this kind of customers will not be able to raise the limit because of the lack of daily credit cards, so friends should pay attention, and it is not good to always not swipe their cards.
Mid-range customers: customers with high contribution and high risk.
This kind of customers are similar to high-end customers. They spend more than 60% of the quota and points every month, but occasionally they make the minimum repayment, or they often pay in installments, with the installment amount exceeding 40%. This kind of customer is a risky customer. Although the contribution is great enough, the risk is also great. This kind of customers will generally pay a temporary limit of about 50% as long as they use the card for more than 6 months, but will not give you a fixed limit.
It should be noted here that if the bank has strong risk control, it is not only difficult for such customers to raise the amount, but also possible to reduce the amount.
Low-end customers: low-contribution and high-risk customers.
Every month, credit cards are maxed out, or credit card merchants are single, or consumer merchants are low-rate merchants without points, such as gas stations, hospitals, wholesale and so on. And there is always a minimum repayment amount.
Basically, few people know about cards. Of course, sometimes swiping a card does have miraculous effects, such as last year's Everbright, which maxed out the amount of the card, but this operation is generally not recommended because it will leave a record in the banking system, even if you are lucky enough to give you a line, it will be taken away in the future.
Such customers will often receive phone calls from banks, threatening to directly reduce the amount, and directly seal the card once it is overdue.