Is it true to apply for a large credit card with an ID card?

Small advertisements for handling credit cards are everywhere, whether on the street or on the internet. Some advertisements even claim that you can get a large credit card with only one ID card. So, are these agent credit cards real? Let's analyze it for everyone.

Xiao Qi, a card friend, received a short message, which read: "Hello, you can handle the credit card limit of 500,000-300,000 in major banks professionally, as long as you have an ID card, regardless of geographical restrictions. For details, please consult the charge/kloc-0 158XXXXXXX ". Although Xiao Qi was very excited, she came to consult and ask if it was true for the sake of caution.

It can only be said that nine times out of ten, this is a lie, and the bank will conduct a detailed review of the qualifications of the card holders. If a person doesn't have three cards, let alone a big card, not even a small card! The minimum conditions for applying for a card are: having a stable income and a fixed job, being able to provide proof materials such as work certificate, bank flow, real estate, personal credit, and having good automobile production.

But it is not so easy to apply for a large bank credit card with only one ID card, unless the bank is opened by his family.

In addition, even if you successfully apply for a card, the liar will use your ID card information to open the card and cash it out. When your credit card is not paid back, you may be swiped by a swindler, and you must pay back the money yourself, otherwise your personal credit history will be affected once it is overdue.

When you encounter this kind of short message about handling large credit cards with your ID card, you'd better avoid it as much as possible, otherwise handling credit cards through this channel may make you bankrupt.

Reminder: it is not credible to apply for a credit card with an ID card. Pay attention to the following items when handling credit cards:

1. There is no charge for handling credit cards. This is the same for all banks. No matter which channel you apply for the card, the bank will not charge you for it.

Whether you can handle a large sum of money depends on your personal qualifications. Large credit cards are determined by personal income, fixed assets, personal credit information and other conditions.

3, will not guarantee the next card. As I said before, any bank that handles credit cards needs to review personal information and qualifications, and no bank will explicitly reply to the applicant to guarantee card issuance.