Hello, elderly people can also apply for bank cards. They can apply for them from Bank of China, Industrial and Commercial Bank of China, Agricultural Bank of China, and China Construction Bank. Elderly people just do not meet the conditions for loans. Generally, you need to be under 60 years old to apply for a loan. , but it is still possible to apply for a bank card.

Loan conditions.

How can I get a loan smoothly, with a high amount and easy to disburse? Let’s talk about the loan conditions below.

The personal credit report must be good

The first prerequisite for a loan is that the personal credit report is good. If the credit report is bad or has been spent, the loan will definitely be rejected during the loan review. Therefore, maintaining a good personal credit record is an important prerequisite for a loan.

How to keep your personal credit score in good condition?

01

Don’t be overdue

Whether it is repaying a credit card after swiping the card for consumption or repaying a mortgage, you must be careful not to overdue the payment. If it is overdue, not only will penalty interest be incurred, but the consumption record will also be saved in the personal credit system. Then when applying for a loan, it is easy to be rejected during the review.

02

Too many sleep cards

Many people always think that after applying for a credit card, it will not be affected if they do not activate or use it. In fact, if the credit card you apply for is not activated, as long as the credit card is approved and the card is opened, it will be recorded in the cardholder's personal credit reporting system, and it will be affected if you want to apply for a credit card from this bank in the future. Certain cards have annual fees even if they are not activated. If you neglect this point, it is likely to result in credit card arrears and overdue payments, resulting in a bad credit record.

03

Delinquent payment of living expenses

The new version of the personal credit system has been launched, and all kinds of water and electricity bill payments, telephone bill payments, etc. in life are all available. Personal credit record.

Once you do not pay on time, or even subway fare evasion occurs, in this era of real-name systems and the Internet, all your records will be recorded in your personal credit report, which will inevitably cause a bad credit report.

Only maintaining a good personal credit record is the prerequisite for a smooth loan!

Farewell to the White House

Many people always think that if they have never taken out a loan and their credit report is good, then the loan will be disbursed smoothly. However, the fact is that users who have never taken out a loan are will also be rejected.

Why? A white bank account refers to a person who has not applied for a loan or credit card from any financial institution, and whose personal information has not been entered by the Credit Information Center of the People's Bank of China.

Usually for bank accounts, when you apply for a loan, the bank or financial institution cannot inquire about your spending power, repayment ability and credit status, and cannot make objective and reasonable judgments.

Therefore, it is much more difficult for a white household to apply for a loan than for a customer with a credit record. Without a personal credit record, the bank cannot guarantee whether the borrower can repay the loan in full and on time. In order to control Banks have their own credit risks and will generally be cautious in lending. Even if they agree to lend, the amount will not be ideal.

Therefore, it is also necessary to obtain appropriate loans and handle credit cards reasonably.

How to get a large loan?

01

Don’t be overdue

Under normal circumstances, the flow rate of the salary issuance bank and the level of salary reflect an individual’s income strength to a large extent. . Those with high salaries can easily be listed as high-quality customers. Not only can they apply for a higher credit card limit, but they can also easily disburse money when applying for a loan, and the limit will also be higher.

Like the bank that distributes my salary on behalf of me, our company is first included in the bank’s high-quality corporate services, and then our personal salary and year-end bonus are all distributed through the bank, and thus we are included in the bank’s service. Among the high-quality customers, I not only have the highest credit card limit, but also a loan limit of hundreds of thousands, and the approval is also fast.

02

Increase bank flow

What is bank flow? In fact, bank statements refer to the deposit and withdrawal transaction records of bank current accounts (including current passbooks and bank cards), also called bank account transaction statements.

Bank flow includes three parts: salary flow, transfer flow, and self-deposit flow.

Bank turnover is not equal to salary turnover! When many people take out loans, they have no house, car or job, so their card application is always rejected because of bank flow.

How to increase bank flow?

A. Methods of depositing and withdrawing money

For individuals who lack bank flow, they can use the deposit and withdrawal method to improve bank flow records. Under normal circumstances, some people make deposits and withdraw money on the same day in order to have bank flow. Such behavior is invalid.

The correct way to deposit and withdraw money is to first deposit a large amount of funds into the bank. The larger the amount of funds, the better according to personal ability, and then withdraw small amounts one after another at a later stage. Be sure not to take it out on the same day.

B. Time to save money

If you want to improve bank flow, it cannot be completed in one or two days, but it will be accumulated gradually during the day, so pay attention to your usual deposit and withdrawal methods.

If you don’t have a large amount of funds, you can choose the usual fixed deposit mode or zero deposit mode. That is, in addition to depositing a similar amount at a fixed time every month, points will be added if there are other sporadic deposits.

So, pay attention to the way you usually deposit and withdraw money, and gradually accumulate bank balances step by step, at least for 1-3 months.

With high bank turnover and large deposits, it is easy for the bank to be included as a high-quality customer, and it will be easier to get approved for a loan, and the amount will naturally increase.

03

Provide sufficient proof of assets

The most critical point in whether the loan is approved is that the bank will look at your repayment ability. If you have enough assets, it means you have strong consumption and repayment capabilities, and it will naturally be easy to get approved. The amount of assets determines the amount of the loan to a large extent. Therefore, asset certification materials are very critical.

In addition to salary income, proof of assets is also a plus. If the loan applicant has fixed assets such as houses and cars in his name, or large insurance policies, stocks, etc., he can get extra points. The provision of these asset certificates enables borrowers to obtain high-amount and low-interest loans.

If you want to apply for a large loan, you can refer to the above methods to apply for a loan.