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Precautions for handling high credit cards

Time: 2017-01-18         Source: Rong 360 finishing         Author: 360 Financial consolidation

High-value credit cards, as the name suggests, know that it is based on the customer's personal credit. But it is based on the customer's certain income and financial resources, otherwise the bank becomes a veritable "fool", regardless of the risk-reward balance.

High-value credit card processing: (1) original identity card; (2) unit to issue income and proof of employment, need to stamp official seal or financial, labor and capital seal; (3) tax payment certificate (can go to the local tax bureau to get the ID card to print tax payment tax The table can be in the last 1 year);

Supplementary conditions for high-value credit card processing: 1. Is there a fixed telephone number in this city (having a fixed telephone number in this city indicates that your place of residence is stable, it will increase the bank's credit rating score for you); 2. Whether to marry (married ratio) The score of unmarried is higher. 3. Whether it is the household registration in this city (the city's household registration is higher than the foreign household registration); 4. Whether there is housing (the housing has higher score than the non-residential housing, and the self-occupation rate is better than the living with the parents) High); 5. Education level (the higher the education level, the higher the score); 6. The nature of the work unit (the more stable the work unit is, the higher the score is. The scores of institutions, large state-owned enterprises and Fortune 500 companies are all scored. Higher);

Can the credit card really do the agency? The bank staff said that the credit card must be handled by the person himself, and the work unit and salary certificate must be provided.Personal credit historyAnd other details. Without stable work and income, it is difficult to pass the approval. And the size of the credit overdraft limit depends on various factors such as the applicant's industry and income. "Online credit card is a lie, defrauding fees, deposits, deposits, etc., don't believe it." A bank staff said,Credit cardNo fee is required. Anyone who wants to get a fee by remittance is mostly a scam. The Wenhe police station also reminded the general public that the general public should be vigilant about such information on the online "agent bank credit card" and do not arbitrarily disclose their documents to others in order to avoid being used by criminals. In fact, if you really feel that the quota is not enough, you can ask the card-issuing bank to adjust the quota temporarily. You can also think of ways to borrow from the bank's credit loans and mortgage loans. As mentioned before, high amountCredit card applicationIt depends on the income level of the applicant, the financial status, etc. It is still unsuitable for people with average income to reluctantly apply.

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