2. Customers who only hold business cards and business cards are temporarily unable to apply.
3. Whether the installment application is passed or not shall be subject to the system audit results.
Tips: Both bills and single installment need to be applied. Whether it can be handled depends on the result. According to the customer's card usage, the application results are different. If the application is unsuccessful, I suggest you continue to use the card, try to spend it through various merchants and repay it in full. You may be invited by phone or SMS in the future.
Other hard conditions:
1. The borrower must be between 18-60 years old and have legal identification.
2. The borrower's personal credit information is good and there is no record of non-performing loans.
3. The borrower has a stable income, a stable residence and the ability to repay on time. The monthly bank flow is more than twice the monthly loan payment.
4. The borrower needs to provide a guarantee approved by the bank.
5. The borrower can provide an explanation of the legal use of the loan.
Credit card application conditions:
The general application conditions are relatively close, and the specific operation is subject to the regulations of various banks.
Each card-issuing bank has its own card-issuing standards, which generally include the following points:
1, at least 18 years old.
2. Urban and rural residents who have a fixed occupation and stable income and work in the place where their permanent residence is located.
3. Fill in the application form and sign it in person at the "Signature of the Applicant".
To apply for a credit card, you need to provide the following information:
1, copy of ID card, work certificate, income certificate, etc.
2. If you can also provide bank deposit certificate, real estate certificate, degree certificate, etc. , your application approval process will be more convenient and faster.
3. If you have a foreign household registration, overseas personnel apply for a job locally, and active military officers apply for a credit card in their own name, some card-issuing banks may require you to issue a temporary account issued by the local public security department or a certificate (including a work certificate) issued by relevant departments.
4. Other conditions required by the issuing bank.
Pay by installment, and be careful of the handling fee.
As a financial management tool, installment payment has two advantages: first, it relieves the pressure of excessive one-time payment, meets the large consumption demand in advance, enjoys the pleasure of life in advance, and will not bring short-term capital turnover pressure; Second, avoiding large-scale consumption disrupting the rhythm of capital use, reducing the pressure of cash demand for large-scale expenditure, and using the remaining funds for other financial needs will improve the rate of return on funds.
However, installment payment often needs to pay a handling fee, which is much higher than the interest of bank loans during the same period. Even if the installment payment is returned in advance or even refunded, the handling fee is "water under the bridge". Of course, all kinds of "zero commission and zero interest" activities can be seen in the market today, but most of them are high-end electronic consumer goods, and the depreciation rate is relatively fast.