Yes, the bank will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc. The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand.

The standards of each card issuing bank are also different. The same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application while others may reject it. hair situation. Extended information

When making installment purchases in shopping malls, cardholder identity verification is required, so remember to bring your ID card. Shopping mall installments are generally free of charge for three installments. The rates for 6 and 12 periods vary from bank to bank.

As long as the products that can be paid in installments are normally sold in the shopping mall, they can generally be paid in installments. In many cases, cardholders can also bundle multiple items together for checkout and then make installment payments.

This type of card can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.

Baidu Encyclopedia-Credit Card