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 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.
Can I ask a black account to apply for a credit card?
Black households are not allowed to apply for credit cards. When a bank approves a credit card, it mainly examines two points, one is the repayment ability of the applicant, and the other is the credit status of the applicant. The main way to check the credit status is to check the personal credit report, which records the applicant's use of other credit cards and loans and repayment records. Only users who are overdue for a long time will become black households. In order to avoid bad debts and excessive bad debts, banks will not issue cards to people with bad credit, so it is difficult for black households to apply for credit cards.
For more information about whether black families can apply for credit cards, please visit: See More.
How to apply for a credit card if the credit information is not good?
The method of handling credit cards for black households with credit information;
1. Go to the payroll bank or the bank with deposit to apply for a line 0 credit card, and put the money in the credit card for consumption, covering the bad credit record.
2. deposit a large sum of money in the bank that handles credit cards.
3. Apply for supplementary cards in the name of family members.
4. Choose a niche bank and apply for a card with loose conditions.
5. Wait for the credit to recover before applying for a credit card.
Credit report is divided into personal credit report and enterprise credit report, which is a record of personal credit information released by the Credit Information Center of China People's Bank, and is used to query the social credit of individuals or enterprises. Credit reports are divided into three categories, namely personal basic information, credit transaction information and other information.
The new version of the central bank's personal credit information system was put into operation, and the "validity period" of overdue records was officially set at five years. The new credit report sets the starting point of overdue information as 65438+2009 10 month, and the previous bad repayment record has been deleted.
Because the relevant departments have not clearly defined the restrictions on negative records, in the old personal credit report, overdue records will be displayed no matter how many years ago. The new credit report only shows the overdue records of consumers in the last five years.
If it is recorded in the credit report that you borrowed money and didn't pay it back, the bank must be cautious when considering whether to provide you with a loan. Banks are very likely to let you provide mortgage, guarantee, or reduce the loan amount, or raise the loan interest rate, or refuse to give you a loan. If the credit report shows that you have borrowed a lot of money, the bank will be very cautious, for fear that you may refuse to provide you with more loans because you have too much debt to bear.
Credit investigation is an activity that a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides credit information services to the outside world according to law. It provides a platform for professional credit institutions to share credit information.
The emergence of credit investigation activities stems from the emergence and development of credit transactions. Credit is a special form of value movement based on repayment, including currency lending and commodity credit sales, such as bank credit and commercial credit. Modern economy is a credit economy, and credit, as a specific economic transaction, is the product of the development of commodity economy to a certain stage.
The essence of credit is a creditor-debtor relationship, that is, the lender (creditor) believes that the trustee (debtor) has the repayment ability and agrees to the promise of future repayment made by the trustee. However, when the commodity economy is highly developed and the scope of credit transactions is increasingly extensive, especially when credit transactions spread to the whole country and even the whole world, it will be extremely difficult for one party to know the credit status of the other party.
At this time, understanding the credit status of market participants has become a demand, and credit investigation activities have also emerged. It can be seen that credit investigation is actually produced and developed with the emergence and development of commodity economy, and it is a credit information service provided for credit activities.
Which bank can I apply for a credit card for a black account?
1, CITIC Bank: Credit cards of CITIC Bank are easier to handle. Just prepare your ID card, fill in the credit card application record online, wait for SMS or phone reminder, and go to the designated outlets in SMS or phone to review the information.
2. China Everbright Bank: For black households, China Everbright Bank is also a better application. When you apply for a form in official website, you usually know the result within half a month (including issuing a bank card for approval), and the result will be notified by SMS.
Extended data:
Skills for black households to apply for credit cards;
1. If you have a bad credit record due to overdue credit card, you must pay off the arrears as soon as possible if you want to apply for a credit card successfully, and you can't cancel the card and you can only continue to use it. Usually, banks will refer to the credit card records of the last two years when reviewing credit cards, so cardholders should continue to use their cards for at least two years, and keep good records of consumption and repayment during this period so that bad records can be covered by good records.
2. If it is a bank's black account, as long as it is not recorded in the central bank's personal credit information system, it will not affect the application for other bank credit cards. But it is best to start with a credit card that is easy to apply for, so as to improve the success rate of card processing.
3. If it is difficult to apply for the main card, black households can choose to apply for a supplementary card of their relatives' credit card, and the application conditions for the supplementary card are not as strict as the main card.
Baidu Encyclopedia-Hei Hu
Baidu encyclopedia-credit card
Baidu Encyclopedia-China CITIC Bank
Baidu Encyclopedia-China Everbright Bank
Shocked, can black households get credit cards?
Black households are not allowed to apply for credit cards.
Because black households don't have birth medical certificates, they can't apply for credit cards without birth medical certificates. Apart from not being able to apply for a credit card, it also means not being able to go to registered permanent residence. Their schooling, medical insurance, marriage, childbirth, bank account opening, driving test, accommodation, going out to work, buying a house and career development will all be affected, thus making these children discriminated against in society.
Because children have no birth certificate and no hukou, it brings a series of problems to social management. Moreover, according to the relevant provisions of the Guidelines on Risk Control and Safety Management of Bank Card Business, the applicant must apply for a credit card by himself with the original ID card, and shall not be handled by other individuals (except for the supplementary card handled by the main cardholder). Therefore, black households are not allowed to apply for credit cards.
Extended data:
Black households are not allowed to apply for credit cards.
Because black households have no hukou and no corresponding ID information. When handling credit cards, ID card handling is the first condition. If a black household does not have an ID card, it will not be approved when handling a credit card.
In particular, according to the relevant provisions of the Guidelines on Risk Control and Safety Management of Bank Card Business, when a cardholder's bank account establishes business association with a payment institution for the first time, it should pass the identity authentication of the payment institution, and at the same time, verify and identify the customer's identity through electronic channels through the customer identification of the issuing bank, and the two-factor (multi-) verification method should be adopted.
In other words, for credit cards, identity information verification is the first, and other verification methods are not excluded. It is impossible to apply for a credit card without identity documents.
Baidu Encyclopedia-Birth Medical Certificate
People's Network-There should be no "black households"
Baidu Encyclopedia-Guidelines for Risk Control and Safety Management of Bank Card Business
Blacklist application credit card raiders Bian Xiao gives you a few tricks.
Blacklist is actually synonymous with overdue repayment. The central bank's personal credit report mainly objectively records the cardholder's last repayment date, the last repayment amount and the first repayment time. Judging whether the cardholder is overdue from the cardholder's last repayment date, repayment amount, repayment time, bank or lending institution. Then, if I am blacklisted, can I apply for a credit card? What should I pay attention to? Let me talk to you today.
You can apply for a credit card after it is overdue for two reasons:
1. The bank inquires about the applicant's personal credit record, and only inquires about the repayment situation for 24 months.
2. Generally, overdue records can be eliminated after being kept for 5 years.
Therefore, after the overdue period, you should immediately return the arrears and continue to cover the overdue records with your credit card. Apply for a credit card again after 24 months. In addition, don't cancel the card, which won't make the overdue record disappear.
Blacklist credit card application method
Card friends who have entered the credit blacklist can refer to the following methods:
1. If the blacklist is caused by frequent credit card applications, remember to wait a few months before trying to apply, otherwise the application will be rejected.
2. Generally speaking, although some users are overdue, they will also bring interest, handling fees and late fees to banks. You know, banks also make money by issuing credit cards.
In order to completely solve the problem of card handling, it is necessary to pay off the arrears in time, and then repay them on time to maintain a good credit record. Even if repayment is difficult, the minimum repayment amount or installment repayment should be guaranteed to avoid affecting personal records again.
Reminder: If you are out of the blacklist, in order to re-apply for credit cards, you can choose some banks that are easier to apply for cards, such as China Merchants Bank, CITIC, Bank of Communications and Huaxia. You can also provide your own economic certificate, large deposit certificate, etc. Going to the bank can prove your repayment ability and improve the success rate of card processing.
So much for the introduction of how black households handle credit cards.