I want to apply for a credit card.

Credit cards that don't look at credit information must be comprehensively evaluated, and there is no one who doesn't look at credit information.

according to article 4 of the measures for the supervision and administration of credit card business of commercial banks, the issuing bank shall establish and improve the credit review system of credit card applicants, and clarify the management structure and internal control mechanism. The issuing bank shall conduct a credit investigation on the credit card applicant, fully verify and completely record the applicant's valid identity, financial status, consumption and credit records and other information, and confirm that the applicant has a fixed job, a stable source of income or a reliable repayment guarantee.

commercial banks should establish a management system for credit card business application materials, and the head office (the head office and foreign-funded corporate banks) will uniformly number the credit card application materials, and implement a registration system for information entry, use and destruction of the application materials.

Extended information:

Relevant requirements for credit card business stipulate:

1. The issuing bank shall establish operating procedures for credit card activation, and check the identity information of credit card holders before activation. Credit cards whose contract (agreement) has not been signed by the applicant and whose identity has not been confirmed by the activation program shall not be activated. New credit cards, loss reporting and card replacement, damaged card replacement and expired card replacement must be activated before they can be used by cardholders.

2. The credit card is not activated by the cardholder, and no fees may be deducted. Under special circumstances, except for the fees charged by the cardholder in writing, customer service telephone recording, electronic signature, and the way recognized by both the cardholder and the issuing bank, and the creditor-debtor relationship formed when changing the card.

3. The issuing bank shall establish a credit card credit management system, dynamically manage the credit line of the credit card according to the credit status, card usage and risk information of the cardholder, and notify the cardholder in a timely manner according to the agreed method, and may require the cardholder to implement the second repayment source or provide a guarantee if necessary.

Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

Are there any credit cards that don't read credit information? It's very important to choose the channel for handling credit cards

As we all know, credit investigation is the most important and indispensable step in any bank's application for credit cards. Then, is there a credit card that doesn't look at credit reporting, which is suitable for credit reporting loan users? Please forgive me for being stupid, but there is still a chance for loan users to apply for credit cards.

Credit cards mainly provide a certain overdraft consumption limit, which provides cardholders with payment convenience. bonus hunter, that is, the bank's money will be overdrawn for you in advance, and then returned on the repayment date.

There are certain risks in this. Banks are not fools, and their own money will not be given to others casually. The premise is to ensure that you have repayment ability and repayment integrity, and personal credit information is the most fair reference.

Therefore, no matter which bank it is, credit investigation is an indispensable link when examining credit card applications. As long as you have a stain in the credit investigation system of the central bank, you have overdue loans, credit cards and other long-term or malicious overdue behaviors, then it is inevitable to refuse your card.

can't credit loan users get credit cards? Not absolutely!

At present, there are many intermediary card agencies or platforms that can "package" your credit conditions for applying for a card. If you are lucky, you can also get a credit card.

However, I have to remind you that most of the intermediaries cheat money and materials, and carry out++activities under many banners.

"For the large credit card (2W-35W) of the credit card of the loan user, there is no charge in the early stage, and no charge below 5W, only for three days."

"Take the" green channel "through introduction, and the Bank of Communications will approve the fast card processing, and there is no problem with the quota below 5,."

"You can handle large credit cards only with your ID card!"

undoubtedly, these are all based on the ultra-low threshold and the ultra-high quota to attract cards. If you are credulous, you can only draw water with a sieve and lose money.

In a word, there is no credit card that doesn't look at credit information. In order to ensure its own interests, banks will not open platforms indiscriminately. Don't choose an intermediary without bank authorization to handle credit cards, but keep your eyes open and be vigilant, preferably through the official channels of banks.

Are there any credit cards in p>222 that don't check credit information?

No.

At present, there is no credit card issued by any bank that doesn't read the credit information. If there is a credit card that doesn't read the credit information, then it must be a scam of a black intermediary.

Credit cards are all approved and issued by banks. Credit checking is a necessary process for banks to check the qualification of credit card applications. If there is a bad credit record in the personal credit report, the card will be rejected.

the easiest credit card to approve is not checked for credit information

the easiest credit card to pass the examination and approval draft

1. Third-party co-branded cards

Most of the co-branded cards are cards launched by third parties in cooperation with banks, such as supermarkets, JD Finance, Meituan, Tengju Hexun Video, etc. The reason why you can approve in seconds without looking at credit information is that you are looking at big data in a third party at this time, and big data can be so key. As for the normal quota, it will be in the unit of 1,. Of course, your qualifications are not very good, and most of them are food cards. If you dislike the low quota, you can only optimize your credit information and create attention before applying.

2. Virtual Card

With regard to virtual cards, this is mainly the card type that banks responded to the national call-"digital currency" and then launched. Of course, at most, it is++cards. At the beginning, the best one belongs to ICBC. Now, if you want to apply, you'd better apply for local++cards, such as Shengjing, Rizhao, Jiangsu, etc. The best application time is during the water release period. If you don't know, you can look at mine more often. The focus of virtual cards is not as strong as before. In the future, everyone should learn more about low-carbon theme cards. I don't need to say more about this, but I know how to understand it!

3. In recent years, the release period of water cards

is generally 2-3 days. If there are too many applicants, the time may be shortened. Just like last year's 3w large card of Bohai Bank, the release period was only 3-4 hours. If you miss it, you will miss it. Therefore, if you want to get it at the first time, you should usually look at the circle of friends of technical teachers. The best way to APPly is to use your third-party big data (not online loan big data) to apply for a co-branded card, so look at the app in your mobile phone yourself, which is your advantage, what is the data, how long it took, and whether there is any bad record. If you still have any other questions, leave me a message.

what credit card (debit card) doesn't read credit information?

No credit card (debit card) issued by any bank doesn't read credit information. If there is a credit card (debit card) that doesn't read credit information, then it must be a scam of a black intermediary.

Credit cards (debit cards) are all approved and approved by banks. Credit checking is a necessary process for banks to check the application qualification of credit cards (debit cards). If there are bad credit records in personal credit report, the cards will be rejected.

However, sometimes banks have loopholes in system approval, or there is a large amount of water release, and they may have the opportunity to apply for a credit card (debit card) without looking at the credit information.

what credit card doesn't look at the credit information

any bank's credit card will check the credit information of the cardholder before handling it to avoid risks.

according to article 41 of the measures for the supervision and administration of credit card business of commercial banks, the issuing bank shall conduct a credit investigation on the credit card applicant, fully verify and completely record the applicant's valid identity, financial status, consumption and credit records, and confirm that the applicant has a fixed job, a stable income source or a reliable repayment guarantee.

article 42 the card-issuing bank shall determine the required (optional) elements of the credit card application materials according to the overall risk management requirements, and shall not issue the credit card if the required information or required options are omitted, the business travel card and business purchase card are handled by others (except for the subsidiary card handled by the main cardholder), the application materials are signed by others or unsigned.

credit cards may not be issued if there are doubtful information in the credit card application materials, audit opinions are omitted, auditors at all levels have not signed (signed and sealed, entered work codes), or the system audit records are missing.

Extended information:

Measures for the Supervision and Administration of Credit Card Business of Commercial Banks Article 49 The card-issuing bank shall establish operating procedures for credit card activation, and check the identity information of credit card holders before activation. Credit cards whose contract (agreement) has not been signed by the applicant and whose identity has not been confirmed by the activation program shall not be activated. New credit cards, loss reporting and card replacement, damaged card replacement and expired card replacement must be activated before they can be used by cardholders.

the credit card cannot be charged without the cardholder's activation. Under special circumstances, except for the fees charged by the cardholder in writing, customer service telephone recording, electronic signature, and the way recognized by both the cardholder and the issuing bank, and the creditor-debtor relationship formed when changing the card. Credit cards are not allowed to issue any gifts or gift certificates without being activated and used by the cardholder.

Baidu Encyclopedia-Measures for the Supervision and Administration of Credit Card Business of Commercial Banks

Let's stop here for the introduction of credit cards without credit information.