2. Conditions for applying for a credit card: 1. At least 18 years old and no more than 65 years old; 2. Have a good credit record; 3. Applicants may apply for no more than two supplementary cards for their spouses or relatives with full capacity for civil conduct. Credit card application materials: 1. Identification materials: copy of resident ID card or military officer's card; 2. Proof of work and income; 3. Other financial certificates: such as a copy of the real estate license, a copy of the automobile driving license, a copy of the deposit certificate, etc.
Iii. Credit card application process: 1. Fill in the application form; 2. The information of the bank itself and a copy of the information; 3. The bank sends it to the credit card center; 4. The credit card center conducts audit, business card printing and card issuance; After getting the card, I opened the card and waited for the password letter.
There are generally two kinds of black accounts in banks: first, personal credit is not good, and many personal accounts in the credit information system are overdue or directly unpaid, which are blacklisted by banks; Second, people who have been included in the list of untrustworthy by the people's courts, such as tax evasion and failure to pay telecom broadband fees. Or a person with a major criminal record is also a black account of the bank.
Once you become a black household and have a credit stain, you must take timely measures to restore your reputation. There are two points:
The first point: First of all, we must pay off the arrears, whether it is loans or public fees in arrears (many people may not know that the tax arrears, the execution of civil judgments and the records of telecom arrears will be reflected in the detailed personal credit report of the bank, so remember to cancel them when not using broadband and numbers).
The second point: Since the credit report only keeps the records of the last five years, you can cover the previous negative records with a good credit record of five years after the credit stain occurs. After that, your loan will not be affected unless you have a major criminal record.
12 becomes a case of bank black account:
1. If the credit card is overdue for three consecutive times and accumulated for six times, it may become a bank black account.
2. If the monthly mortgage is overdue for 2 to 3 months or fails to be repaid, it may become a bank black account.
3. If the monthly payment of the car loan is overdue for 2 to 3 months or fails to be repaid, it may become a bank black account.
4. If the loan interest rate is raised, the monthly payment will still be paid according to the original amount, and the overdue interest may become a black account in the bank.
Failure to pay water, electricity and gas bills on time may lead to the freezing of bank accounts.
6. Personal credit card cashing may become a bank black account.
7. Failing to repay the student loan may become a bank black account.
8. If the Sleep Credit Card is not activated, it will still generate an annual fee. If you don't pay, you will have a negative credit record.
9. Credit card overdrafts and mortgage loans that are not repaid on time may become bank black accounts.
10. When providing a guarantee for a third party, if the third party fails to repay the loan on time, it may become a bank black account.
1 1, the mobile phone number was stopped, and the relevant formalities were not handled. Due to the overdue monthly fee, it will also cause bad records and may become a black account in the bank.
12. The credit card arrears record generated by others fraudulently using ID cards or copies of ID cards may become a black account in the bank.