First of all, we need to clearly understand whether a bank is a charity or not. It also wants to make a profit. Of course, the more profits it can make, the better!

If you want to understand something clearly, don't just look at the surface phenomenon, but go deep into its essence, so that you can find targeted solutions.

Take credit card as an example. The so-called credit card actually has two meanings. The first meaning is credit, and the second meaning is loan relationship. Let’s study these two meanings in depth. Credit

Credit is based on trust. Trust in the fiduciary is essentially the creditor’s sense of security in the credit relationship. Of course, this sense of security does not arise out of thin air, but depends on the fiduciary. The credit standing depends on the rational judgment of the credit grantor. This is the bank’s evaluation test for you. This evaluation test directly determines whether you apply for a card and the credit limit given to you! Loans

Savings cards are also called debit cards, credit cards (Credit Card), and credit cards. To simply understand, it is a credit lending service provided by banks to consumers.

From the perspective of the usage attributes of credit cards, credit cards are actually a lending relationship. The bank lends you money to meet your current consumption needs, and then repays the debt according to the agreed time. Of course, the bank is not a charity and will confiscate it. Our money, of course, is collected from merchants, and the teaching rate for this money is different in each industry.

Therefore, the essence of a credit card is a purely credit lending service. Since it is a lending service, it is very similar to the loan we know. When you go to a bank for a loan, the bank must first evaluate your repayment. ability, and then decide whether to grant you a loan and the amount of the loan.

In fact, the same goes for credit cards. When you apply for a credit card, first, the bank will make an assessment of your repayment ability, and then decide whether to apply for a card for you and the credit limit!

Of course, each bank’s evaluation system is different, but they are generally the same. You can refer to the bank’s scoring system and dimensions.

If you understand the scoring system, you can make targeted adjustments and optimizations. The items with higher scores actually represent the consumer’s preferences. Of course banks like these customers based on their spending power and economic status! Spending power is high and the risk of default is relatively low.

What I am talking about is optimization, not saying that you don’t have it and insisting on filling it in. You must pay attention to it, otherwise, the consequences will be serious.

If there is anything that needs to be added, please brainstorm and add it in the comment area. Thank you for your support!

Hello, I am Xue Zhidao. I have good financial management and look at Xue Zhidao! It's my honor to answer your question.

Who do banks mainly apply for credit cards to? You can learn from the following aspects.

First, stable income

Credit card is a way of overdraft consumption. Although overdraft consumption, you must have the ability to repay, and the repayment ability is from Where it comes from, it depends on whether you can retract and retract it high or not, and whether it is stable or unstable. What type of people are generally more likely to apply for a card? State-owned enterprises, units, and civil servants have stable incomes, including part-time wages and provident funds. In terms of positions, technical and managerial. For example, doctors, teachers, accountants, programming technicians, etc. do not like sales jobs because sales are unstable and the overdue rate is relatively high.

Second, education

Generally, it is relatively easy to apply for a credit card if you have a high degree of education. For example, it is easy to apply for a credit card if you have a college degree or above from China Merchants Bank. If you have a junior high school degree, it will be difficult to apply for a credit card. Under the same conditions, for example, everyone has no running water and no assets.

Third, assets

If you have bank deposits or financial management, he thinks that you have no liabilities, and having assets means you have the ability to repay. The probability of getting the card approved is very high.

Fourth, turnover

This part of the turnover still depends on whether your turnover is income or just posting.

Fifth, you have a credit record and good credit.

If you have taken out a loan from a bank, have a credit record, are not a white account, and have good credit, it will be easy to apply for a credit card. The bank looks at your credit record in your credit report and thinks you are a trustworthy person.

The above five points are the requirements that banks will examine for card applicants. If you have a white household, find a way to find a company or unit to work, get a check-in salary, and then save money and go to the bank, so that it will be easy to pass.

Considering the origin of credit cards, it is easy to answer this question;

First of all, credit cards are created to allow users to make credit purchases. In terms of the overall economic situation, credit cards are Let’s not mention the role.

As far as the most direct interest relationship is concerned, card issuers earn profits through users’ credit card consumption;

From this perspective alone, Banks are very willing to apply for cards for users!

However, card issuers have to consider the quality of users, that is, your ability to repay after consumption, and whether you can repay as promised, which is often referred to as creditworthiness; after all, card issuers are used to The limit of a credit card also comes from the user's savings in the card issuer. On the other hand, the card issuer has to bear the risk when issuing a credit card! They must ensure that the capital pool can maintain the operation of the institution, so they have to be careful when decentralizing quotas.

In order to balance the relationship between income and risk, they naturally have to screen users and select users with good credit, high consumption demand and sufficient repayment ability to apply for the card! For such users, they like it the most.

As for how newbies can apply for a credit card so that they can get the card quickly;

Once you understand the type of user they like, everything will be easier. You only need to prove to the card issuer that you are such a person. That’s it!

So, how to prove it?

At this point, it becomes critical to understand the card issuer’s screening methods. The card issuer will make the judgment in the following ways:

The resume mainly depends on whether the individual has a black history, and what is his academic qualifications? This shouldn’t require too much explanation. It’s best not to have dark history, and the higher the education level, the better.

2. Credit records

General financial loan behaviors will be recorded. They are stored in the central bank system as personal credit records and can be retrieved and viewed to determine the user's creditworthiness. a basis.

3. Personal assets

Proving that you have a house, car or other assets that can be mortgaged will also show that you have sufficient repayment ability. If not, you can also mortgage the garage.

4. Work situation

Having a job means having an income. The higher the income and the more stable the job, the easier it is to get a card and the higher the limit; this is also the ability to repay the loan. manifestation.

Looking at it this way, it seems that a lot of the content has been fixed, and there is no room for manipulation. However, for these situations, it is still possible to carry out a certain degree of packaging to increase the individual's chance of getting the card. Some people who are familiar with this even make a career out of handling credit cards! Regarding the knowledge of credit cards, people are posting and communicating every day on Alipay’s credit card friend circle. There are various card gods and card slaves, with a total number of more than 600,000. You can go and learn about it.

Answer: They definitely prefer people with high turnover or high assets to apply for credit cards.

It’s a simple truth. Why do banks give you credit cards? Isn’t it because they want to take advantage of you? This will earn you more handling fees and interest, otherwise he wouldn’t think about applying for a credit card for you

For example: you want to apply for a credit card from a certain bank, and your credit card will be processed by this bank. If it is large, then they will definitely issue the card for you as soon as possible, or the limit will be relatively high. Another situation is that if you have a credit card yourself, and you apply for another one, the card will be issued quickly and the limit will be high. Because banks will think that you are a very creditworthy person, they will continue to apply for cards for you.

Another one is high assets. For example, you have a large insurance policy, you have a large deposit, or If you have a house and a car, the bank will definitely be very willing to apply for it for you. Especially if the mortgage loan is in a bank, it will be more convenient for you to apply for a credit card at this bank and the limit will be higher.

It is clear why banks like these two types of people. It is very simple, because they all have a certain stable income or a guarantee that they have assets to mortgage when they cannot afford to pay off their credit cards. This is what banks do.

Think about it, if a job is unstable and you don’t have corresponding assets, do you think the bank will handle it for you? It certainly won’t, and now you need social security to apply for a credit card. Query as a basis, this is a very important indicator.

Comprehensive analysis: Banks generally prefer people with high assets, high turnover, stable jobs, cars, houses, and deposits.

Who do banks prefer to apply for credit cards for?

This question is very simple. Go to any bank and get a credit card application form. The more comprehensive the project information involved, the easier it will be for the bank to apply for a credit card. When I apply for my first credit card, banks like customers with the following characteristics.

1. Have a fixed job and stable income, the key is stability. The most popular occupations are teachers, government employees, doctors, etc. The income of practitioners in these industries is quite stable. Although it is not 100,000 or 80,000 yuan per month, the key point is that it is not stable. The bank is not worried that you can't repay it, but that you won't borrow it.

2. Those with higher education. I remember that I was working in a securities company at the time, and one of my graduate student colleagues, who was the same account manager, had a significantly higher limit than me.

3. Those who own cars and houses.

4. Banks prefer people who have already started a family, because starting a family means that the person has responsibilities.

5. Have a fixed place of residence and clear bank statements.

6. Customers with strong spending power, especially those with a monthly salary of 10,000 yuan and a spending power of 15,000 yuan, are very popular with banks. Because they do not have enough consumption, bank credit cards can come in handy and they can repay the money at the same time. superior.

7. Those who like to repay in installments. Installment repayment, please refer to the question I returned to before. It is a gold mine, otherwise banks would not put great effort into promoting it.

In short, banks like customers who have strong spending power and can afford repayments.

Hello, I am happy to answer your question. Who do banks prefer to apply for credit cards for? Banks can apply for credit cards as long as they are not bad customers. As for banks applying for credit cards, the following types of people are most interested in marketing.

1. National civil servants

Banks handle credit cards and the main marketing targets are national civil servants. Banks will also issue special credit cards for national civil servants according to the needs of national civil servants. Personnel use, unified management, and overall marketing.

2. State-owned enterprises

When banks apply for credit cards, the main marketing targets are state-owned enterprises. State-owned enterprises have stable jobs, stable income, and corporate security. For example: hospitals, power supply, telecommunications, etc., bank cards are issued, no need to deal with them individually, overall marketing.

3. Salary agency companies

When banks apply for credit cards, the main marketing targets are salary agency companies. For employees of such enterprises, banks can easily grasp the income situation, and it is easy for banks to market credit cards. favorable.

4. Owners of Private Enterprises

When banks apply for credit cards, the main marketing target is the owners of private enterprises. As long as the business is running normally and the funds are guaranteed, marketing credit cards is inferior. What you need is mainly a marketing account.

In short, banks market credit cards to many customers. If you want to apply for a bank credit card, it is mainly about credit and income. As long as there is no problem with your credit, you can apply online by yourself or apply manually. However, the overdraft limit is limited when applying for a credit card initially. , with regular use, the overdraft limit will gradually increase.

The above is my answer, I hope it can help you.

Let me describe it in one sentence first, that is, banks like to add icing on the cake, but do not like to provide help when it is timely. Nowadays, credit cards are almost saturated. In the past few years, major banks have been competing for credit card customers very fiercely. They have also lowered some requirements for card customers, and the credit limit is much higher than what was previously approved.

A credit card is a debit card. In other words, the loan limit is for your consumption. Therefore, there must be some standards for the qualifications of credit card applicants, including the size of the limit, which is affected by the overall conditions of the applicant. College students generally cannot apply for bank credit cards because they have no stable income and no ability to repay. It is generally not easy for those who are unemployed to apply for credit cards. The risk of repayment without income is relatively high. Although banks encourage you to apply for a credit card, you need to repay it after consumption, so some people will definitely get stuck.

Here are some types of people that banks prefer. Banks like people with good credit, sufficient assets, stable jobs, and good careers. So if you are a person who frequently uses credit cards, pays back on time, and does not have any other overdue loans, if you apply for a credit card from the bank, the limit will generally be relatively large. If you apply for a credit card, you can not only provide proof of income, but also provide information about your property and car. If your credit is good, it will be easy to apply for it, and the limit will be large. If your assets are average, your job is good and stable, and you are in a state-owned enterprise or institution, it is generally easier to apply, and the quota is not low!

If you are a newbie or a credit card novice, and meet the basic conditions mentioned above, you can apply for it. You can go to the bank counter to apply (with proof of income), or go to the credit card account manager to apply. The account manager usually uses a mobile device to do it for you, and the approval is very fast. If you add the bank's internal employee recommendation number, the limit will be higher than if you don't recommend it. Credit cards have advantages and disadvantages. Credit cards are used for consumption, but they should not be over-consumed. Spend moderately according to your income. Otherwise, you will not be able to pay off the credit card bill, which will cause overdue trouble. You may also be involved in the central bank's credit reporting system, which will affect your future Taking out a loan to buy a house or a car has a huge impact!

Generally speaking, banks prefer to apply for credit cards to customers with high average income, strong spending power, strong repayment ability, and good credit. Such customers can be said to be the most favorite type of customers of banks. . 1 Average income is high

Banks like to deal with rich people. If your average income is high, currently, your monthly income can exceed 10,000 yuan, or even reach tens of thousands of yuan, then banks will definitely like to apply for a credit card for you.

Nowadays, the average monthly net income of employed people across the country is about 5,000 yuan. If you can earn more than 10,000 yuan, then it is considered a medium-to-high income level. Of course, banks I like to apply for a credit card for you.

Therefore, banks like to apply for credit cards to customers with high average incomes. 2. Strong spending power

Banks especially like to apply for credit cards to customers with strong spending power. Generally speaking, the prerequisite for strong spending power is relatively high income. Such strong spending power is what banks like. If you have a low income but always want to spend a lot, the bank may not like it, because if you spend too much, it may be overdue.

Therefore, banks like to apply for credit cards to customers with strong spending power. Of course, customers must have relatively high incomes, and banks will prefer them. 3. Good credit and strong repayment ability

Banks like to apply for credit cards to customers with strong repayment ability and good credit. Nowadays, banks issue credit cards just to make some money. If the customers have strong repayment ability and good credit, then the bank can make a lot of profits without spending too much cost.

Therefore, banks like to apply for credit cards to customers with good credit and strong repayment ability. 4 Conclusion

In summary, banks are very fond of applying for credit cards to customers with high average income, strong spending power, good credit and strong repayment ability.

Do you still need to ask who the bank likes to apply for credit cards for? If you open a bank and ask you to design a credit card marketing plan, which customers will you include as high-quality customers? on the marketing list.

It is both safe and reliable, and can also bring profits

Safe and reliable, what group of people is safe and reliable?

Those who have stable jobs, such as civil servants, employees of public institutions, teachers, doctors, employees of state-owned enterprises, etc., such working groups have stable wages. Although they are not necessarily high, they are more stable and get more benefits. The work is difficult, the stability is high, and overall the cost of breach of contract is high.

Another point is that there is no need to worry even if it is overdue. Because the work location and working hours are fixed, and wages are clocked in, it is also very simple to effectively control customers.

Can bring profits.

This is also the bank's ultimate purpose of issuing cards. No matter how good the job is and how favorable the conditions are, it is a waste of the bank's manpower and time to issue you a card without using it. How can a novice apply for a credit card quickly?

Have a stable job and income;

Complete personal information;

Have a good credit record and no overdue bad behavior;

Assets and liabilities The situation is good and the asset-liability ratio is healthy;

The higher the academic level, the higher the possibility of applying for the card;

The more stable the family structure, the more conducive it is to apply for the card;

Why should a bank apply for a credit card for you? Which credit card is better? 01 Educational background

When I applied for my first credit card, the first thing the credit card salesman asked me was In a word, what is the academic qualification?

I was a little confused at the time. After applying, I asked him what this had to do with academic qualifications. He told me that generally the higher your academic qualifications and the better the school, the better your credit status will be. In this way, when applying for a credit card, it will be faster to apply for the card, and the limit will be higher accordingly.

Although prestigious schools also have bad students, and ordinary schools also have top students, in general, students from prestigious schools are more favored by them. 02 Occupation situation

When applying for a credit card, career is definitely one of the things they pay more attention to.

According to the people I have contacted, civil servants generally have the highest credit limit, and basically everyone has one of this credit card, which is used as a business card. This is because when they make repayments for official business, they usually use the reimbursement repayment system, that is, their finance repays them, and the bank does not have to worry about them not being able to repay. In fact, this is the finance repaying them. payment.

Basically, as long as you have a legitimate occupation, most banks will issue a card. The difference lies in the limit; if the job is stable and the income level is relatively high, then the card will be issued quickly and the limit will be high. 03 Asset status

Banks may not ask about asset status, but they can make inquiries based on big data. What kind of liabilities do you have, or how many assets do you have in that bank, including current and regular financial management, etc.

As for the house, it’s up to you to make up for it. Generally speaking, the better your assets are, the faster the card will be issued and the higher the limit will be. To sum up: In fact, it is relatively fast for banks to issue credit cards, as long as the information is verified. The difference lies in the quota. The higher your education, the better your career, the higher your income, and the better your asset status, the higher the quota will be.