Conditions for applying for a credit card
The basic conditions for applying for a credit card are common to all banks. Because different types of bank cards have different functions, the additional conditions for applicants are also different.
Basic conditions for applying for personal credit card
(1) Urban and rural residents who have reached the age of 18, have a fixed occupation and a stable income, and the location of their work units and household registration;
(2) Fill in the application form and personally sign it at the cardholder's office;
(3) Provide the issuing bank with copies of the ID cards of the supplementary cardholders and guarantors; Personnel from other places, overseas and officers in active service shall obtain certificates in their own names on the basis of temporary accounts issued by local public security departments or certificates issued by relevant departments, and must provide guarantee units with guarantee conditions or guarantors with local accounts and working in the local area.
Serious consequences of overdue
1. When a lender signs a loan contract with a lending institution, there are usually relevant provisions of loans overdue in the contract. Generally speaking, overdue loans will generate additional penalty interest, each lending institution is different, and the amount of penalty interest and the interest generated are also different. Loans will have corresponding interest and expenses, and overdue loans will lead to additional expenses, which is very uneconomical.
2. Credit stain The degree of credit is related to all aspects of our lives. If there is a loans overdue, the overdue record of this loan will be uploaded to the personal credit information system of the central bank, which will lead to the borrower's bad record in the credit information system and leave a credit stain.
Credit stain is very unfavorable to borrowers. If there is a credit stain, it will hinder borrowers from applying for loans and credit cards in the future, and even seriously affect borrowers' flying and high-speed rail.
It is difficult to enjoy preferential loan interest rate. As we all know, when a borrower applies for a loan in a bank, the bank will adjust the loan interest rate according to the borrower's credit record and qualification.
Generally speaking, high-quality borrowers with good credit are more likely to get loans with lower interest rates. If the borrower suffers credit damage due to loans overdue, even if he gets a bank loan, it is difficult to achieve a lower loan interest rate.
4. Affect your career. For students who have been studying in loans overdue for more than 90 consecutive days and the circumstances are serious, the bank or school will publish the ID number and overdue information in the media, or notify the work unit. Banks will sue those who owe money maliciously or intentionally.
If it is overdue for 90 days in a row and can be remedied in time and repaid on time, the credit level will not be greatly affected. The same is true of other loans, which will affect your employment and promotion.
5. The bank sent a lawyer's letter to the court for prosecution. If you don't pay the bill for more than 3 months, it will be very serious! If the loan bank collects the loan according to law, it will bring a lawsuit to the court according to the loan contract and guarantee contract (mortgage or pledge contract), and the court will take measures such as property preservation, including freezing the deposits in all bank accounts of the lender and loan guarantor and sealing up the pledged property.