Now many people have successfully bought a house. Although they have to pay the mortgage every month, it is also a good thing to enjoy the feeling of home in advance. What are the benefits of applying for a credit card if there is a mortgage in your name? Can I apply for a credit card?
1, which is helpful for card processing.
The mortgage application process is long and complicated, and banks will definitely issue loans after detailed investigation, so there is generally no problem with the personal qualifications and credibility of buyers. Then it is much easier to apply for a credit card, because banks have full trust in mortgage customers and think that loans will be repaid normally and credit card repayment will be normal, so issuing cards is safe.
2. Credit card loan
If you already have a credit card, it will be easier to apply for a credit card loan on the basis of a mortgage. If a freelancer fails to pay the provident fund and social security, if he is a mortgage customer of the bank, then the bank will also give him an online pure credit loan line. This is a very important financial resource.
3. Customer grade
At present, many banks have begun to classify customers. ICBC's star-rated customer system is typical. Banks divide customers into seven grades, and the number "★" is used to represent customer grades, and several "★" are several grades. For example, "★★★★" means "five-star" customers.
If you have a mortgage, and the amount is relatively high, it means that you have enough repayment ability. It will be easier to apply for a credit card if the debt ratio is not too high.
In short, applying for a credit card requires other conditions, such as personal credit, income, social security of provident fund, etc. , not affected by the single factor of mortgage.
Can I apply for a credit card when I repay my mortgage?
The relationship between mortgage and handling credit cards is not particularly great. The requirements for applying for a credit card are as follows:
1. Age condition: the age is between 18 and 65 years old, and minors and retired employees are not allowed to apply;
2. Credit conditions: no bad credit record;
3, income conditions: it is best to have a stable income, to meet the monthly repayment on time.
If you meet the above conditions, you can apply for a credit card, and the mortgage can be used as proof of your financial resources. The bank will also collect relevant information from all aspects and review your repayment ability and credit. You can try to apply first. I wish you immediate success.
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It may be more convenient to apply for a credit card after applying for a mortgage. Having a mortgage is enough to prove your repayment ability and good credit. However, in the case of mortgage, the credit card limit may be lower and the repayment pressure will increase. I suggest you consider it carefully.