Can I no longer apply for a credit card after applying for a cash loan installment with Home Credit?

It can be done, but the bank will consider my debt situation, and the amount may be lower. Can I still apply for a credit card after getting a loan?

Yes, you can apply for a credit card if you have no bad credit record. If you have a bad credit record, you cannot apply for a credit card.

Bank credit card application conditions:

①Age requirements: Domestic residents must be between the ages of 18-65, and foreigners must be between the ages of 25-65;

②Job requirements: Have a stable workplace, income and fixed residence;

③Credit requirements: No bad credit record. Applicants for supplementary cards must be the parents, spouse or children of the primary cardholder and be between the ages of 16-65.

Bank credit card application materials:

① Identity proof information:

Copy of resident ID card or military officer ID card; if you are a compatriot from Hong Kong and Macao, you need to provide a copy of the Mainland China Passport and a copy of the residence permit for more than one year; if you are a foreigner, just provide a copy of your passport and residence permit for more than one year.

②Proof of work and income:

Salary proof or business card or badge with photo.

Proof materials that can prove that you have good financial strength: copy of real estate certificate, copy of car driving license; copy of bank loan account (good credit, overdue not more than 60 days) or deposit certificate. I have a loan of RMB 10,000 from Home Credit. Will it affect my application for a bank credit card?

Home Credit is a consumer finance company approved by the China Banking Regulatory Commission. It will be connected to the credit reporting system of the central bank and will also be listed on the credit reporting system. But as long as you repay on time and are not overdue, it will not affect your application or apply for a credit card; but if your repayment is overdue, it will affect your application for a bank credit card.

The information required to apply for a credit card is as follows: Bring your ID card, work certificate, company address, company phone number, and mobile phone number to a bank branch to apply. If you have a property ownership certificate, driving license, provident fund card, or social security card, If so, it will help increase your credit card limit.

Extended information:

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country.

Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

The application form is accompanied by a contract for using the credit card. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have an application A person's autograph.

Baidu Encyclopedia - Home Credit Group

Baidu Encyclopedia - Credit Card

Baidu Encyclopedia - Credit Information System of the People's Bank of China I paid for a mobile phone in installments with Home Credit. I haven’t paid off the loan, can I still apply for a credit card?

No more.

It is understood that Home Credit Consumer Finance Co., Ltd. is currently connected to the basic financial credit information database. If you fail to fulfill your repayment obligations in accordance with the consumer loan contract, your credit record will be fed back to the above-mentioned credit information system. . The People's Bank of China is responsible for managing and controlling the use of credit records.

Therefore, if you have an installment with Home Credit and fail to repay it on time, you must be on the credit blacklist, and it is probably impossible to apply for a credit card.

Extended information

According to the "Credit Blacklist Management Measures"

Article 43 For customers who apply for our bank's credit cards for the first time, the entire system shall not be used Credit cards are issued automatically.

Credit card applicants should be subject to strict review and strengthen risk prevention and control when they have the following circumstances:

(1) Retaining relevant suspicious information or criminal records in the identity information system;

(2) There is no credit record in the credit reporting system;

(3) There is a bad record in the credit reporting system;

(4) There is no credit record in the credit reporting system;

There are multiple bank loan or credit card credit records in the credit system;

(5) Business travel cards and business purchase cards issued by the unit;

(6) Risk information obtained from other channels .

Reference Materials

Home Credit Loan Official Website - Common Financial Issues Personal Credit Record