Why can't I get a credit card if my credit is excellent?
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2. There are many debts: although some users have excellent credit information, they have many debts and the bank will not approve the card. This is also because the user's repayment ability is limited, and there is an overdue risk for banks to issue credit cards, so banks will not allow cards to be approved;
3. Not choosing the right bank: Generally speaking, if users have business dealings with banks, such as mortgage, car loan, savings, investment and wealth management, it is much easier to apply for credit cards, so users need to give priority to banks with business dealings to apply for credit cards;
4. Credit information is frequently checked: before applying for a credit card, the user's credit information report contains the credit information records of many lending institutions, which is quite difficult to open a card, especially when more than four lending institutions grant credit, and most banks are unable to grant credit.
Problems brought by credit cards
1, capable users, not used to using credit cards, will basically not exceed the credit card consumption limit;
2. Users who have no ability prefer to use credit cards, but their repayment ability is not good, and the probability of default is relatively high;
3. With credit cards, many users spend more than without them;
4. High credit card fees may have a negative impact on credit investigation.
This article is mainly about the knowledge points about whether the epidemic credit card can apply for deferred repayment, and the content is for reference only.