Let’s start with the answer. There are two main reasons why credit cards are becoming more and more difficult to apply for. First, banks themselves are subject to supervision. The China Banking and Insurance Regulatory Commission has explicitly prohibited excessive credit extension. Second, there are fewer and fewer high-quality potential cardholders. When they have time to apply for a credit card in the future, they will have already used credit products represented by Huabei and Weilidai, which indirectly makes credit reporting too expensive.

Below we will analyze in detail how much restrictions these two reasons have on existing cardholders and potential cardholders. Because banks themselves are subject to supervision, the China Banking and Insurance Regulatory Commission has explicitly prohibited excessive credit extension.

On October 10, 2019, the China Banking and Insurance Regulatory Commission issued the "Notice on Carrying out Rectification of Infringements on Consumer Rights and Interests by Banking and Insurance Institutions (Banking and Insurance Regulatory Commission [2019] No. 194)", which clearly stated: Do not intentionally develop credit card business for low-income people and develop high-risk users: including excessive marketing of credit cards to college students who have no ability to repay, and imprudent limit control; issuing high credit limits to customers with poor credit status or who have multiple credit lines ; Excessive marketing of installment business.

In China, there are only two top regulatory authorities for all financial institutions, the central bank and the China Banking and Insurance Regulatory Commission. You said that the China Banking and Insurance Regulatory Commission has issued a written order prohibiting such operations. Even if 100 banks are unwilling, they will not do so either overtly or covertly. Dare to openly disobey your superiors. In actual implementation, the direct manifestation is that the credit cards that could have been applied for are not granted, and the banking industry does not dare to let go of the somewhat flawed customer base. There are fewer and fewer high-quality potential cardholders. When they have time to apply for a credit card in the future, they have already used credit products represented by Huabei and Weilidai.

In recent years, although various financial loans on the Internet have With the penetration of institutions, people have more choices to use money besides banks. Especially the younger generation, who have not yet reached the age to apply for a credit card, can easily use various installment credit tools. For example, buy mobile phones by installment with Home Credit, pay with Huabei, etc.

In the eyes of bankers, except for the formal use of credit products in the banking system, other types of credit products are basically classified as small loans. When college students wanted to apply for a credit card after graduation, they found that they had already been invaded by small-amount high-interest credit products like "Home Credit". When they wanted to apply for a credit card, they couldn't apply smoothly.

To sum up: the increasing difficulty of getting a credit card is mainly due to the above two reasons. First, banks themselves are subject to supervision. The China Banking and Insurance Regulatory Commission has explicitly prohibited excessive credit extension. Second, there are fewer and fewer high-quality potential cardholders.

Of course, there will also be other objective reasons. That is, some people do not have stable jobs. It is also difficult to get a credit card.

Thanks for the invitation: Why is it becoming more and more difficult to get a credit card? Because there are many people with low incomes! Failed to recharge on time! It is easy to cause financial losses and there are certain risks. Fund shortages cannot be replenished in time, causing certain losses to national financial institutions.

Banks are not charities, and they are at any time, especially now. The devastation caused by the epidemic has turned many people into poor people and losers in an instant. Banks are institutions that avoid risks because they will always only It will be the icing on the cake, rather than providing help in times of need!

It is becoming more and more difficult to apply for a credit card, especially for those who have never applied for a credit card or have problems with their credit report!

First, some people often overdue their credit card payments, while others are unable to repay them at all, and there are more and more such people. It is difficult for banks to recover their money. Therefore, banks are now more cautious in handling credit card business, which makes it increasingly difficult.

Second, for those who have already applied for a credit card and have good credit, it should be easy to apply for another credit card. In addition, it is not difficult to apply for a credit card for those who have had a loan from a bank and have never been late in repaying the loan.

Through loans, credit cards and other services, banks will conduct credit ratings on customers, and this credit rating can also be seen by other banks. So as long as you have good credit, it’s not difficult to get a credit card.

People applying for credit cards now are mainly affected by the epidemic. Many people are under pressure from home loans and car loans. Many people will choose to go to banks to apply for credit cards. Coupled with the domestic market situation, many factories Companies have no business, and many people choose to take holidays, resulting in many people who are idle at home or without work. Nowadays, most of the people applying for credit cards are those without formal jobs and with poor credit. Some are slightly younger. To summarize the following points.

First: When applying for a credit card, you either fill it out randomly or it is not true.

Second: The applicant is too young, and the bank feels that you are unable to repay the loan.

Third: Crazy application for credit cards, applying from all banks, leading to a behavior in credit reporting. The bank will not make it easy for you to apply for a card, so try to wait for more than three months before applying.

Fourth: Applicant's credit problem. Some people say that they have never been overdue, so why the bank just won't disburse the money? It may be that the bank has determined that you may have applied for many online loans and small platforms. There is a problem with your credit report.

Fifth: It’s not that it’s difficult to apply for a credit card, but you haven’t found the right way. It seems that some people have already purchased the card, and the limit is still high. Information is one thing, but there are also reasons for the platform you apply for.

Sixth: Basically, people born in the 1980s apply. If there are no overdue records, it will basically pass. This is a real case, look at the picture.

No matter whether you apply for it or not, you have to pay it back after you use it. Until that point, it is still not recommended to use a credit card. If you are not careful, you will be stuck in the endless repayment of the credit card.

The reason why it is difficult to make money in Liuzhou

Do you have the corresponding abilities

For example, can your professional ability pass the test? Do you have the ability to learn and execute? Do you have strong beliefs? etc.

Do you have a good platform?

Now that you have abilities and talents, is there a platform for you to display them? Qingfeng used his strength to send me to the sky. Making money is not a game for one person. It requires the help of a good platform.

Do you have a good circle?

This circle refers to your network of people and your financial circle. Your network of people can help you solve many things, and your financial circle can help you raise more money. funds.

Why is it so difficult to apply for a credit card? Lu Ming believes that there are several reasons. Is it difficult to apply for a credit card?

Because your hard qualifications and soft power are not developed.

Hard qualifications

Has your credit report been optimized? Or do you know that you need to optimize your credit report in advance before applying for a credit card? Optimize that aspect of information?

Have you provided good qualification certificates? For example, good employment certificates, social security provident funds, check-in salary statements, real estate, large deposits, etc.

Soft Power

Planning for credit card application, do you know how to arrange the application sequence for credit cards from various banks? Which bank is suitable for you to apply for according to your conditions? What are the taboos when applying for credit cards from various banks?

Based on your attire, do you look like a loser at first glance, or do you look like a white-collar worker? Does your conversation sound like a loser when you speak, or are you a successful person with a successful career? Summary

Applying for a credit card, especially if you want to apply for a large credit card and use the credit card as leverage to raise funds, you need to plan and improve your hard qualifications and soft power.

Just like making money, as your abilities in all aspects improve, making money will naturally be much easier.

I am Lu Ming, a financial worker working on the front line, providing you with low-interest and large-amount financing solutions! Welcome friends in Liuzhou to communicate via private messages!

1. Main explanation: As society progresses, it is easy for banks to obtain personal data.

2. Personal integrity is also becoming more and more important, so banks will record daily non-timely repayments.

3. When the economy is not very good, credit card issuance will also assess risks. After looking at the user's daily income and expenditure, it will be decided whether it can meet the risk assessment requirements for issuing credit cards.

4. On the contrary, for people with good personal credit, it should be easier to apply for a card than before, because there are more online card application channels and the process is faster than before.

5. In daily life, if you make better money by yourself, the bank will definitely take the initiative to apply for a card from you.

Hello, I'm glad to answer your question. 1. Credit products serve the purpose of taking care of others’ needs, promoting the flow of funds, and driving the economy. 2. In fact, it is essentially a business activity that makes money and uses capital to make money. I won’t talk about the operation method because I don’t understand it! But at least you have to predict and evaluate market conditions and assess risks! 3. In order to avoid risks, the number and limit of credit cards will be tightened when the general environment is not good. 4. Here comes the most critical question. Do you think it's difficult for something like this that is supposed to be the "icing on the cake" when you need help in times of need? For me, it’s too difficult [face covering] It’s difficult to apply for a credit card. There may be a problem with your credit report

As far as I know, when a person’s debt is too high, there will be a bank They will check your credit report. Every time you borrow a loan, it will leave a mark on your credit report. When you want a loan again, or apply for a credit card, the bank will not apply for it for you, because you The debt is too high.

I don’t know if you’ve ever encountered door-to-door salesmen trying to apply for a credit card at a subway station or on the side of the road in a park. These people claim to be able to apply for a credit card for you, and they can also place a lot of credit, especially now that you’re special. When you need money or want to apply for a credit card, don’t blindly apply for these credit cards. If you want to apply for it, it’s best to apply at the bank counter. It’s best if these people just promote you and may earn you handling fees, but the final result will be useless. Let it go. Let’s talk about the most important credit card. It’s better not to use it if you don’t need it. Use every money you make and don’t spend in advance.

In fact, it is not difficult to apply for a credit card, but it is more difficult for some households with poor credit or white households!

For example, the first time I applied for a credit card, it went smoothly because I had a mortgage in my name with a monthly payment of 7,000 yuan. In addition, I worked at Ping An, so it was very easy to apply for my own Ping An Bank credit card. That’s the limit of 35,000.

When you get your first credit card, start real consumption again, and if the repayments are normal and not overdue, the bank's system is open, and it will naturally be easier to apply for other credit cards. !

I have 7 credit cards under my name. The first 6 were all applied for before the epidemic this year, with a total credit limit of 420,000!

Generally, if there are more than 6 credit lines, the credit limit will basically be reduced. If you apply again, you may only have a limit of 10,000, or you may not be able to get it!

But last month, ICBC said that I could apply for one, so I applied for an ETC credit card online. It happened that the ETC on my mortgage and car were from them, and they were also 6 stars. The customer was approved for a card worth RMB 76,000, and he was quite satisfied!