There are various conditions required to create a credit card, but you can find out about the possibility of issuance in two main ways. These conditions belong to the credit card issuance standards stated by the Financial Supervisory Service, and each card company has slightly different internal standards.
The first is the income-to-debt ratio. No matter how high your income, if you have a lot of debt, you may not be able to issue a credit card because your disposable income is low. Those with no income need to work part-time, and those who have less than expected income should apply after reducing their expected income to increase their chances of being approved.
The second is creditworthiness. Generally, credit card issuance is possible within 6 grades (NICE 680 points, KCB 576 points or higher). Although the Financial Supervisory Service leaves the issuance of cards at the discretion of each financial company even if the credit score is somewhat lower than the standard, if the NICE score of 680 and KCB 576 or higher is stable, and there is a delinquent or delinquent record in the credit inquiry, the issuance may not be possible.
Shinhan Card Issuance Conditions Check credit rating, disposable income, and issueability▼ 신한카드 발급조회
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.. 이베이스매뉴얼
I’ve done a lot of credit card issuance, so I can tell you in detail what the terms and conditions are. In addition to the above conditions, there are several other conditions. In addition, you can find out what percent your credit card issuance probability is.
When I checked, there were cases where credit cards were issued even to unemployed people. When I found out why this was possible, it was possible to issue a credit card based on the savings and savings accounts I signed up for. If you have a certain amount of deposit and savings balance and keep this balance for several months, it is possible.
So, what are the general conditions? The most important thing to consider is the ability to repay. So, they say that you must have an income of 1 million won or more, and you are looking at a tenure of 3 months or more.
However, this does not necessarily mean that only income above a certain level is unconditionally issued. Also check how much debt you owe and how much you can expect. Whether there is a history of delinquency is also a major evaluation target.
By any chance, the probability of issuing a credit card can be expressed as a percentage. Have you checked it? I checked it myself with a credit rating agency, so please check it in the information article I gave you above. I think it will be helpful for those who are looking for the conditions for issuance of Shinhan Card.
You can earn points by using them on your website. There is no limit on what you can earn and there are no performance conditions. When issued, it is automatically registered in sk pay, and you can earn points by just using it at sk pay affiliated stores or 11st Street, so please refer to the good points. must be used)
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Summary of basic benefits
0.5% of the amount paid at domestic and overseas affiliated stores will be credited as SK pay points. There are no separate conditions for performance, and the accumulated points can be viewed and checked on the sk pay app or 11st. You can register to use sk pay in advance. Please note that in the case of 11st, if the usage history for a month (1st to the last day) is received, it will be credited on the 20th of the following month.
Summary of special offers
If you purchase items on 11st using sk pay and make a payment, you can earn 1% as sk pay points. Likewise, there is no limit to earning points, and there are no conditions for using the previous month.
Annual fee information
It is 5,000 won for domestic use and 8,000 won for overseas use (basic 5,000/service 3,000). You can also choose the transportation function (deferred payment).