Whether it is a bank or an online lending financial institution, high-risk customers are always unwelcome. Because for any customer who meets the high-risk criteria, the risk of overdue is very high, and it is more difficult for users to repay on time. So, what are the characteristics of high-risk customers?

What are the characteristics of high-risk customers?

1 Personal debt ratio is too high and exceeds 50%

According to the bank's regulations According to regulations, the credit card debt plus loan debt on your credit report cannot exceed 50% of your income. Anyone who exceeds 50% will be classified as high-risk customers by the bank. If the debt exceeds 50%, it means that after the credit business is approved, only 50% of the income will be used to meet daily expenses and repayments.

2 Frequently apply for credit cards and loans

Otherwise, if you spend too much time on your credit report, you will also have high borrowing risks. Frequent credit card and loan applications in a short period of time will leave query records for loan approval or credit card approval, which will naturally mess up your personal credit report.

3 Age does not meet the regulations

Anyone who is over 18 years old basically has the capacity for civil conduct and can take out a loan or apply for a credit card, but there are high risks if you are too young or too old. For those who are about to retire and are over 50 years old, even though they have pensions, they are still far behind the wages they earn from working.

In general, the above is the entire content of this article about the characteristics of high-risk customers. The specific characteristics are as follows. I hope it can help everyone. In order to promote the healthy development of credit card business and reduce the risk of bad debts, all major banks have carried out work related to risk identification of credit card customers and reduce the risk of bad debts. All major banks have carried out work related to risk identification of credit card customers.