Credit card has been integrated into most people's daily life, and sometimes it has become a turnover tool for some people. It can be said that credit cards have often become an indispensable part of everyone's daily life. So, how much do you know about credit cards? Let's take a closer look.

first, about the application.

As for applying for a credit card, I believe most people are at a loss. What are my qualifications for a bank? Can I apply for it? How much can I apply for? So, what is the bank's criterion for customers to apply for credit cards? Let's express it in the form of scores. If you are interested, add a score to see how many points you can get.

1. Employment status.

whether the bank can give you a credit card is the first concern about your work. Whether you can have a stable job is related to whether the credit card can be repaid normally, so work is very important.

a, civil servants +16 points

b, institutions +14 points

c, state-owned enterprises +13 points

d, joint-stock enterprises +1 points

e, others +4 points

f, retirement +16 points

g, unemployment with social assistance+. Income is 25,1-35,+1 points

l, income is 35,1-45,+16 points

m, income is 45,1-6,+21 points

n, income is more than 6, +24 points

2. Housing situation.

In today's society, housing is a very intuitive embodiment of assets. Whether there is a house or not and where it is located will determine what level of your current assets are. If you have assets, banks like it, and so do I..

a, no house + points

b, rental +2 points

c, unit housing allocation +4 points

d, ownership or purchase +8 points

e, secured +7 points

f, unsecured + points

3. Household registration.

the credit card performance of every bank in every city belongs to the local area, so if you stay in the local area for a long time, it will also have advantages.

a, local +5 points

b, foreign +2 points

4. Education level.

a, junior high school +1

b, senior high school +2

c, technical secondary school +4

d, university degree or above +5

5. Working years.

a, more than 6 years +7 points

b, 2-6 years +5 points

c, less than 2 years +2 points

6. Age status.

a, male over 3 +4.5 points

b, female under 3 +2 points

c, male under 3 +2.5 points

d, female over 3 +5 points

e, others + points

7. Marital status.

a, unmarried married +2 points

b, childless +3 points

c, married with children +4 points

8.

a, no record + points

b, one time breaking promises + points

c, more than two times breaking promises -9 points

d, no breaking promises +9 points

2. About daily credit card usage.

Having a credit card doesn't mean that you can have it all the time. I believe many cardholders have the same trouble, but I don't know if the bank will reduce my quota one day. Will it be blocked? Or when will you give me an increase? Then, about the use of credit cards, how do banks rate the use of cardholders? Let's keep watching.

The highest score in a credit card bank is 1, points, and the initial score of each card is 5 points. When the cardholder is listed as a risk control target by the bank, the score is only 42 points. If it goes down again, when it reaches 36 points, it is very likely that the card will be blocked.

so how did these scores come from? This is closely related to your usual credit card. How to use the card or not has a corresponding score.