As a result, the bank found that the customer's personal credit record shows the credit card approval inquiry records of many banks intensively, and I'm afraid the card issuing rate will be reduced.
In fact, there is no need for customers to apply for too many credit cards. Normally, one person can hold at most three or four credit cards, and it is recommended to apply for a bank credit card at one time.
what are the conditions for applying for a credit card?
First, the applicant must be over 18 years old
Credit cards have age requirements for users. When the applicant applies for a credit card, the credit card center requires the applicant to be over 18 years old. If he is under 18 years old, he cannot apply for a credit card. The age of 18 years old is set, mainly considering that people who have reached the age of 18 can bear corresponding legal responsibilities.
Second, the applicant should have a work unit and a stable income
Credit cards require the applicant to have a fixed work unit. When the applicant has a fixed work unit, it is possible for the applicant to obtain a relatively stable income, and only with the income can he be able to repay the overdraft amount of the credit card. Therefore, the credit card center requires the applicant to have a fixed work unit, just to prove that the applicant has certain repayment ability and ability to repay the credit card arrears.
Third, the applicant's personal credit information should meet the requirements of the credit card center.
To apply for a credit card, the applicant's personal credit information must meet the requirements of the credit card center. The credit card center will inquire about the applicant's credit report when approving the credit card. If the applicant's credit report is maliciously overdue or the overdue times exceed the requirements of the credit card center, the applicant's credit card will not be approved.
Fourth, the applicant should have a fixed residence
When applying for a credit card, the credit card center requires the applicant to fill in a fixed residence, which is a required item. The purpose of the credit card center to require the applicant to fill in the fixed residence is to find the applicant or send a lawyer's letter to this address when the applicant is overdue.
If the credit card application is always unsuccessful, it is probably due to the following reasons:
1. The customer failed to repay the credit products under his name on time, and the overdue behavior occurred, which was reported to the central bank for credit investigation, leaving a bad record in the personal credit investigation report, thus damaging personal credit.
2. Many credit cards have been processed in the name, and the total credit line is too high.
3. Without a stable source of income, it is impossible to prove that you have sufficient repayment ability.
4. The economic income level does not reach the standard set by the bank. For example, high-grade cards such as platinum cards and diamond cards have strict requirements on customers' economic income, assets and financial resources, which are difficult for ordinary office workers to handle.
5. There are many outstanding loans in my name, and my personal debt ratio is very high.
6. Recently, customers frequently applied for many credit products, which led to multi-head lending, and personal credit information became "flower" because of too many loan records.
7. Age does not match. Credit cards require applicants to be at least 18 years old and have full capacity for civil conduct.