If the credit card bank approves it, it will check the credit. Many people think that if the credit is not good, it will not be approved. Actually, not necessarily. The degree of bad credit reporting is from light to heavy, which needs specific analysis. There is also a function in the choice of credit card. If it is not good for credit investigation, it is easier to apply for a credit card. Let's take a look today.
What credit card is easier to apply for with bad credit?
Bad credit reporting can be roughly divided into the following situations: black credit reporting households, flower credit reporting households and white credit reporting households. In fact, as long as it is not a black account for credit reporting, that is, the credit reporting in the past two years has not been overdue for three consecutive times or accumulated for six times, as long as the arrears are paid off, it is relatively easy to get a credit card and choose a bank with a lower threshold to push the credit card.
If you are really worried that the bank will not give you a card, it is recommended to ask for credit information for more than 3 to 6 months before you apply for a card. Even if the bad credit will not be eliminated in the short term, the impact on credit investigation will be weakened as time goes by. Those with real estate and assets can also go to bank outlets to apply for cards, which can improve the pass rate to a certain extent.
The following are several credit cards that can be issued with bad credit information. You can refer to them.
1, Bank of Communications Y-POWER Card: The exclusive credit card created by Bank of Communications as a young person, with high withdrawal amount and low handling fee, is suitable for young people who have just entered the society to apply. There are examples of bad credit cards. After the card is approved, you can enjoy various credit card discounts for shopping, watching movies and eating.
2. Guangfa Hungry Credit Card: Guangfa Bank cooperates with Hungry Credit Card to meet the basic conditions for card handling, with stable repayment ability and no serious bad record, and it is relatively easy to handle a card. 180 yuan's annual fee can be reduced if you swipe your card six times a year, and you can enjoy special rights such as daily reduction and exemption of 7 yuan for take-away, receiving 50 yuan red envelopes when your monthly consumption reaches the standard, and Alipay WeChat consumption points.
3. China Everbright Tik Tok Co-branded Credit Card: The small platinum card of China Everbright Bank has low requirements for applicants. If you have a job with a stable income and bad credit, you still have a chance to get a card. During the validity period, no annual fee is charged. Enjoy the gift of 100 yuan when you are hungry for the first time. If you are hungry, 30 yuan will reduce 10 yuan. It's a good deal.
The above is the introduction of "it is not easy to apply for a credit card for credit investigation, but it is easier to apply for a card". I hope it will help everyone.
Can a black account get a credit card?
Black households can apply for a credit card, but the chances of passing the application will be much lower than ordinary people; In fact, the so-called black households all have poor credit records, and those with poor credit records generally have arrears and refuse to return them; If you want to apply for a credit card, you will generally be rejected by the bank; In fact, it is difficult to apply for a credit card after becoming a black account, and it is also possible to apply for any bank loan. Therefore, it is very important to maintain good credit in daily life.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
According to the different card issuers, it can be divided into bank cards and non-bank cards.
Bank card. This is a credit card issued by the bank. Cardholders can shop and spend money at the special merchants of the issuing bank, or they can withdraw cash at any time at the outlets of the issuing bank or at places with ATMs.
Non-bank card.
This kind of card can be divided into retail credit card and travel entertainment card. Retail credit cards are credit cards issued by commercial organizations, such as department stores and oil companies, which are specially used for shopping in designated stores or filling gas stations. , and settle accounts regularly. Travel and entertainment card is a credit card issued by airlines, travel companies and other service industries, which is used for ticket purchase, dining, accommodation, entertainment and so on.
According to the different issuing banks, it can be divided into corporate cards and personal cards.
Company card. Company cards are issued to various industrial and commercial enterprises, scientific research and education institutions, state party and government organs, armed forces, organizations and other legal person organizations.
Personal card. Personal cards are issued to individual urban and rural residents, including workers, cadres, teachers, scientific and technological workers, self-employed households and other adult urban and rural residents with stable income sources. The personal card is applied in the name of an individual and bears all the responsibilities for its use.
According to the credit status of cardholders, it can be divided into ordinary cards and gold cards.
Ordinary card. Ordinary cards are issued to cardholders with average economic strength, credibility and status, and the requirements are not high.
Gold card.
Gold card is an advanced credit card that pays a high membership fee and enjoys special treatment. Card issuers are institutions with high credit, strong repayment ability, credit or certain social status. The starting point of gold card authorization limit is higher, and the additional service items and scope are wider, so the requirements for related service fees and deposits are higher.
What credit cards can black households with driver's licenses handle?
Safe car owner card.
If you have a car, we can directly handle the Ping An owner card. Then the owner's card can be divided into gold card and platinum card. Just remember to apply for a gold card. Don't apply for a platinum card, because the qualification requirements of a platinum card are relatively high, so choose a car owner card for your partner who has a car.
Black households refer to People's Republic of China (PRC) (China) citizens who have not obtained valid household registration under the household registration system of the People's Republic of China. Without household registration, citizens lose their basic rights such as education (such as paying tuition fees during compulsory education), employment and marriage.
Why can a black household apply for a card with Pudong Development Credit Card?
Pufa credit card black households can also apply for cards. Because Shanghai Pudong Development Bank, like Bank of Communications, only looks at overdue within two years. If you have paid off the expected money, but there are still bad records, it will not be affected, because Shanghai Pudong Development Bank only looks at overdue within two years.
I. overdue negotiation repayment process of Pudong Development Credit Card
Nowadays, many people borrow a lot of money because of improper use of money, which leads to the failure to pay back. If they don't have the financial ability, they will choose to overdue. So what will happen if the overdue negotiation of Pudong Development Credit Card is handled? You can explain your real situation to Shanghai Pudong Development Bank, and don't cheat the bank. You can explain it from your personal employment situation, such as unemployment certificate and termination of labor relations with your unit, which shows that you didn't deliberately fail to pay the overdue money and will definitely pay it back as soon as possible. The bank may think you are honest and give you overdue. But I still want to return it. You can also negotiate with Shanghai Pudong Development Bank, indicating that you will actively repay the loan, hoping that the bank will readjust the repayment plan, and you want to repay the loan in installments or stop lending. Then Shanghai Pudong Development Bank will consider whether to agree to the overdue repayment plan according to your real situation and your repayment ability.
Second, is it easy to apply for a credit card at Shanghai Pudong Development Bank?
Pufa's credit cards are very easy to handle. As long as they meet the conditions of 18 to 60 years old, hold valid ID cards and have full capacity for civil conduct, most of them can apply. However, the applicant must have a stable job, a legitimate source of income, a fixed residence in China, good personal credit information, unexpected circumstances, certain economic conditions and financial proof materials. The bank will apply for issuing you a bank card when it sees that your qualifications are not bad. If you can't do it all the time, submit more information to prove your property.
To sum up, the bank card of Shanghai Pudong Development Bank is still very good. As long as you have good credit conditions and meet the age limit, the bank credit card will come down soon, because Shanghai Pudong Development Bank depends on the overdue situation of the borrower within two years.
So much for the introduction of credit cards that black households can download.