Generally including: the applicant's age, education, household registration, work, income, social security payment records, marital status, housing situation, personal credit records, personal assets (car, house, time deposit certificate, wealth management products, etc.). ), etc.
Among them, stable working income and good credit are more important factors.
After evaluating various factors, the bank gets a score, which is above the standard set by the bank, and credit cards can basically be issued.
Extended data:
Reasons for failure of credit card application
1. Short working hours
This does not mean the accumulated working hours, but the working hours of the existing units are too short. Some people often change jobs and may apply for a credit card after working in their existing company for a few months. When the bank inquires about the credit report, it finds that the job information filled in this time is inconsistent with that in the credit report, and the interval is less than half a year, so the probability of rejection will be high, because the bank feels that the applicant's job stability is not very good.
2. The debt is relatively high
Some people have good conditions, cars and houses, and high incomes, but often these people also have a lot of debts, mainly credit cards and credit loans. Some people's credit cards have been maxed out for more than 80% for a long time, or have extra small loans, and the monthly repayment amount exceeds the monthly income. Some banks are worried that the applicant's repayment ability is insufficient, and generally refuse or approve cards with extremely low amounts.
3. More short-term applications
Some people apply for credit cards or loans many times in a short time. If the bank sends too many inquiries recently, it will judge that the applicant is extremely short of funds and has high risks, thus refusing to approve the card. According to the current regulations of most banks on the number of credit inquiries, the maximum number of credit card applications per month is 2, and the number of semi-annual loan inquiries is 1. If it exceeds this number, there is a great possibility of rejection.
4. Remote online application
At present, many people apply for credit cards online, but most banks require local outlets. Some people apply for a remote credit card online, but they are not directly rejected by the system, or they may not be able to open the card after the later period. Therefore, it is best to apply for a credit card with local bank outlets to ensure the pass rate, and then apply for a credit card without outlets. Some banks can issue cards.
5. Other reasons
In addition to the above common reasons, there are also some personal improper operation or objective reasons that lead to rejection, such as incorrect information and other negative information of the applicant. At the same time, banks will adjust the approval requirements according to their own needs, and the pass rate of handling cards at different times will be different.
Baidu encyclopedia-credit card
1. What if my husband doesn't return the credit card?
You can choose to repay by installments or set a minimum repayment limit. I