In order to be issued a Nonghyup credit card, several conditions must be met.
A ‘credit card’ is a method of using first and paying off later, so it is the same as the nature of a loan.
Are you aware of the best practices for credit card issuance and usage limits announced by the Financial Supervisory Service?
Let’s look at a few cases.
Card issuance is similar to credit loan review
Credit cards are used first and paid off on the due date.
A credit loan is a method of borrowing money and repaying it on the due date along with interest. 농협 신용카드 발급조건
That is why we are strict about payment ability.
Each credit card company can decide autonomously, but it must follow the standards set by the financial authorities. 이베이스매뉴얼
Among those standards, the word ‘disposable income concept’ appears, which refers to the amount remaining after subtracting the debt to be repaid over one year from the annual income.
A monthly disposable income of 500,000 won or more is the standard, and the average balance of the main trading account in the financial sector is regarded as 3 to 6 months in order to see the payment ability.
Must meet application rating criteria
There are cases where this is not applicable for issuance of a credit card.
It is difficult to issue if you are using 3 or more different business credit cards among your credit cards, such as cash advance, card loan, or revolving payment.
In addition, if there is arrears, the issuance is not possible, and the payment ability is not recognized through the multiple card information or credit information provided by the Credit Finance Association.
Employment, Income and Credit Rating
You must have a steady income to repay your card payments.
For this reason, confirmation of employment is compulsory by the credit card company, and there are cases where the company calls to confirm employment.
The tenure of employment must be at least 3 months, and proof of income such as a withholding tax receipt and a copy of a paycheck must be submitted.
Credit rating is the most important and standard criterion for credit transactions.
In the case of Nonghyup credit cards, the issuance condition grades are grades 1 to 6.
If it falls within the 6th grade of both NICE and All Credits, it is considered that the credit rating criteria have been satisfied.
In some cases, if you are in the 7th grade, you must submit proof of income, property tax payment, health insurance and pension insurance payment, etc., and prove that your disposable income is 500,000 won or more.
Getting a credit card is the same as getting a credit card. There are model standards for obtaining credit cards presented by the Financial Supervisory Service.
In brief, the credit rating standard is [the old standard] grade 6, but even if it is grade 7, it is issued according to the amount of the credit card company’s spare capacity according to my disposable income, and the average monthly income and debt level are identified and issued. Of course, if you have a history of delinquency in the past, or if you recently overdue card issuance, you may be rejected.
Now that the credit rating system has been converted to a credit rating system, credit card issuance is possible only if the credit rating exceeds the minimum standard set by the credit rating agency. This is a score equivalent to 6th grade or higher in the past. In the case of Nice Ji Kimi, a score of 680 or higher and 576 points or higher in the case of All Credits are required to issue a card. This means that you must be within the top 93% of your personal credit score.
What are the conditions for issuing a Nonghyup credit card?
How to check credit card issuance conditions and issuance probability (%)
1. Credit card issuance procedure 2. Credit card issuance conditions 3. Find out about card issuance “You can issue a credit card even if you have no income” If you use a credit card, you must pay for the card. Of course, to pay the card price, you must have income. under..
Let’s just list the basics. To get a credit card, you must have a stable income and job. In the case of annuity, it is judged that the income is stable because it continues to be stable, so even pensioners can issue a card. Those with wealth are advantageous to issuing a card. If you have real estate in your name, it is easy to issue a card.
There are people who have good financial transaction performance. Typically, these are people who consistently maintain a certain amount or more in their bank account balance. I think it’s a natural thing to say that many people know that you need to have good credit. Card issuance is difficult if delinquency information is registered with the Federation of Banks or All Credit Nice Ji Kimmy.