I think this is actually not difficult to understand. Because the bank's decentralization of credit cards (debit cards) depends on the comprehensive score. As far as the comprehensive score is concerned, the threshold for the elderly to apply for credit cards (debit cards) may be higher than that for young people.
Then, what are the high thresholds for banks to handle credit cards (debit cards) for the elderly?
I. Age
In the bank's audit criteria for applicants to apply for credit cards (debit cards), age groups are also scored. Usually, the scoring standards of most banks are: under 20 years old 15, 0 years old to 1 20-2 1 minute, 22 to 24 years old, 3 points, 25 to 30 years old, 7 points and 365438.
Why is it classified according to this standard? Because according to the normal age of 7 years old, if you go to college, you will not graduate until you are at least 23 years old. Therefore, people under 2 1 year-old, either students or people whose income and work are relatively unstable just out of school, will naturally not get high scores. 25-50-year-olds have begun to have some experience in social struggle, their income and working status will be more stable, they will also have some savings, their repayment ability will be stronger, and their scores will naturally be higher.
However, it is not difficult to see that the scores of people after the age of 50 began to decline again. That's because people after the age of 50 began to face problems such as aging physical function, suffering from serious diseases, spending money lavishly, difficulty in re-employment, retirement and so on. Therefore, it can be said that the older people are, the lower the guarantee coefficient of repayment ability in the eyes of banks, and the lower the possibility of credit card (debit card) being approved.
Second, repayment ability.
Many old people will have some savings after working hard for most of their lives. However, if there is no other source of income, these savings will be "empty" and non-renewable. Even if some old people can get a pension, they are prone to headaches and brain fever when they are old. If you spend all your money, you may end up with your own life in question.
Therefore, in the eyes of banks, the older the elderly, the less they can guarantee their repayment ability; If the strength of its assets is not enough to reassure banks, banks will not issue credit cards (debit cards) to the elderly.
Three. Employment and income
Although, China has always stressed the need to extend the retirement age. However, in fact, many elderly people have been forced to retire from their jobs when they are unable to work at retirement age. After retirement, it is difficult for them to find another job and can't guarantee a stable income.
Therefore, for a person who can't even guarantee the stability of his job and income, the bank is of course a snob and is unwilling to issue credit cards (debit cards) to such people; What they are afraid of is that if they give it to you and you don't pay it back, they will suffer.
Fourth, personal credit information.
Many elderly people have no concept of personal credit reporting. Even if they have some knowledge, they will think that there is no data in the credit report. Then, I never lend money, and I don't apply for a credit card (debit card) to "add bricks and tiles" to my credit investigation, resulting in my being a white-handed credit investigation household for most of my life.
Although, for some elderly people, there is nothing wrong with being a white credit family. However, banks will not think this is a good thing. Because banks need credit data to judge a person's credit risk, if they don't even have a person's credit data, they can't judge his credit risk, and they won't risk giving him a card.
Having said that, how do the elderly solve the problem of handling credit cards? I have several suggestions:
1, Guangming Assets
The bank is not a charity and will not give you a card just because you need it. Therefore, if the elderly want to apply for a credit card (debit card) from the bank, it is best to show their assets. For example, when you apply for a card, bring your own real estate license, deposit flow and other materials. If your assets are enough to impress the bank, it is not difficult to find a way. It is recommended not to apply for cards online, because these cards cannot be provided online and are more likely to be washed away.
Step 2 use the child's secondary card
Now it is very common to handle several credit cards (debit cards) of the same type in the same bank. If the elderly need a credit card, do not prevent their children from opening a credit card (debit card) sub-card, and directly use the amount on their children's credit card (debit card) main card.
Finally, I want to say that banks are not charitable organizations, but "mercenary". Therefore, it is normal for the elderly to apply for loans or credit cards (debit cards).