The bank invites credit cards.

Why do banks always send text messages inviting them to apply for credit cards? Is it really because of your good qualifications?

I believe many people have a doubt, that is, mobile phones will often receive short messages from banks, inviting them to apply for credit cards, saying that you are a high-quality customer, and even banks without contacts will send short messages saying that they are qualified and can apply for high-grade and high-quota credit cards. Then why do banks always send text messages inviting them to apply for cards? Is it really because of your good qualifications? Answer your question.

In fact, the short message sent by this bank is not necessarily sent by the bank, but may be sent to the base station in groups. Even if it is sent by a real bank, it doesn't mean that your qualifications are really good, but it has spread widely. As for the reasons why banks always invite cards, there are nothing more than the following:

1, complete performance

The credit card department of the bank has performance requirements every month. If this month's performance is not achieved, select a group of customers to send text messages to invite them to apply for cards, and count them as one.

2, do card commission

The new household gift and card opening gift of bank credit cards are still quite powerful. Therefore, the commission for bank salesmen to handle cards is not much lower, and they will also be asked to handle cards for the commission.

Step 3 charge an annual fee

The main source of income for credit cards is the annual fee, which may not be used by everyone, but the annual fee is available for every card, especially for advanced cards, which is generally inevitable.

4. Retain customers

If you only have a bank savings card, you can cancel more business with the bank by inviting you to apply for a credit card. Or by inviting to upgrade the credit card, to prevent customers from withdrawing their cards, resulting in the loss of customers.

Generally speaking, the bank invites you to apply for a card, not because of your excellent qualifications, but mainly because the bank is a profit-making institution and also for its expected income. It can be handled if necessary, but the invitation message is hard to tell. It is recommended to apply for comparative insurance in official website.

The bank took the initiative to invite the credit card to find a doorway and let the bank chase you.

"Hello, I am a staff member of xx Bank. In view of your good qualifications, I am calling to invite you to apply for a credit card of our bank. " I believe that everyone has received many such text messages or phone calls, and card friends often encounter situations in which such banks actively invite them to apply for credit cards. So what is the reason why banks take the initiative to invite credit cards? How can I get the bank to take the initiative to invite for a credit card? Let me tell you something.

Conditions for banks to actively invite credit cards

You may be invited by the bank to apply for a credit card because you have a large amount of deposits in the bank or a large amount of deposits, which are recognized by the bank as good qualifications or meet the conditions for handling bank credit cards. Even if you are invited, the bank may not issue a card for you if:

1. The materials submitted at the time of application are insufficient, and the bank cannot judge that you have repayment ability;

2. The cardholder's previous loan or credit card is overdue, which leads the bank to think that you may have bad debts;

3. Repeat the card many times.

How to get banks to invite credit cards?

In fact, the method is very simple. Under normal circumstances, the amount of general card is low, so you can choose to swipe your card frequently when opening the card. Whether it is as small as a few yuan or as big as a thousand yuan, you can choose to swipe your card, which not only accumulates points, but also clearly knows where to spend it, which is convenient for financial management. It must be remembered that the amount of each consumption should exceed 50% of the amount approved by the bank. For example, if your line is 10000 yuan, then if the monthly bill exceeds 5000 yuan, the bank will think that your line is not enough. In addition, it is the only way for banks to actively invite credit cards to pay off all debts on time within 19 days after the sunrise of the bill and maintain a good credit record. In the long run, banks will increase the quota first, and after one year of use, banks will take the initiative to call and invite higher-level credit cards.

Did you really receive some short messages from the bank inviting you to apply for a credit card?

I received some short messages from banks inviting me to apply for a credit card. This is not true, it is sent by a company that cooperates with the bank, and it is to defraud customer information.

First, the invitation to apply for a credit card is fake.

Most credit cards require me to take the initiative to go to the bank, and the bank will not invite others to apply for credit cards, so as long as I receive such a short message, I don't have to doubt that it must be fake, so I should choose to blacken it. The bank has cooperated with a lot of loans to help pay. If you receive such information, it is likely that the purpose of these companies is to spread these deceptive short messages and then defraud customers. Bian Xiao suggested that you must protect your personal information, ignore this short message, and don't call this short message for verification. Otherwise, your personal information will only be leaked. Now, after all, it is a credit society. If your personal information is leaked, the consequences will be terrible. If you are really worried, you can directly take your bank card to the local bank card bank to consult the staff, and the staff will give a reasonable explanation.

Second, apply for a credit card

Most banks will not send this kind of information about handling credit cards to customers, because there is a big difference between handling credit cards and handling bank cards. Credit cards are handled with their own credit, so banks need to screen customers. If most people want to apply for a credit card, they need to submit a lot of information, such as information to prove their good credit or information to prove that they have funds to repay, before banks can apply for a credit card. Different people have different credit card limits. If the information provided is good or your credit is very good, then the credit card limit will often be larger.

Finally, a credit card is a card that you spend first and then repay. Most young people will apply for a credit card, which can facilitate their daily life, but don't listen to other people's rumors to apply for a credit card, especially if it is unnecessary.

This concludes the introduction of the success rate of bank invitation to handle credit cards and the invitation to handle credit cards. I wonder if you found the information you need from it?