When a bank handles a mortgage loan or mortgage loan, the lending bank will have a series of bundled sales behaviors, requiring you to handle a credit card, and both the lending account and the repayment account must be opened at the lending bank. If you don't do this, the loan will not be approved and will not enter the approval process. This is the case with ICBC and CCB. The bank has no choice but to ask you to complete some evaluations. What's more, some banks lend money, then turn it into a time deposit certificate, and then pledge it to the bank and lend it to you. What can be done? There are so many damn examinations, but there is still a gap in doing so. Help each other. Loans stipulated by the CBRC are not allowed to exist in name only. These commercial banks are doing this in disguise. It's good for you to finish the evaluation. After you get the credit card, you really don't need it. You can apply for cancellation.
Mainly to complete the task of swiping cards. Every bank needs to expand its business, and credit cards can bring a lot of capital flow.
Comparing the risks, the speed of capital withdrawal and the profit of mortgage and credit card, banks will definitely like everyone to apply for credit card. The same is 6.5438+0 million yuan. If it is a mortgage, it can only be given to one person. Generally, the term of capital withdrawal is between 20 and 30 years, and the benchmark interest rate of commercial loans is 4.9%. However, if this 1 10,000 yuan is used for credit card business, a card can be opened for 100 people, and the credit card will be repaid once a month, so that the funds can be withdrawn quickly. As for the profits that credit cards bring to banks, there will be more.
If a customer gets a credit card by the way when he goes to the bank to apply for a mortgage, it is likely that the outlets have bundled sales in order to complete the business volume, so as to increase the amount of credit cards issued. In fact, in addition to credit cards, some bank outlets will also tie in financial products such as insurance, wealth management and funds.
In the case that the credit card is tied with the housing loan, if the customer doesn't want the credit card, he can refuse it directly. After all, it's a housing loan, not a credit card. Of course, if the customer just needs a card, it is also the right time to apply for a credit card.
For the credit card that has been approved, if the customer does not need to use it, he can choose not to activate it (provided that the credit card belongs to the type of non-activation and no charge); Or directly apply for cancellation of the card.