Cách xác định hạn mức tín dụng của ngân hàng khi làm thẻ

Cách xác định hạn mức tín dụng của ngân hàng khi làm thẻ

Khi sử dụng dịch vụ thẻ tín dụng tại ngân hàng, hạn mức tín dụng chính là số tiền tối đa mà bạn được ngân hàng cung cấp để sử dụng hàng tháng và sẽ có những cách xác định hạn mức tín dụng cụ thể. Cách xác định hạn mức tín dụng phù hợp của cơ sở cung cấp dịch vụ tín dụng sẽ là kiểm tra những thông tin liên quan đến tài chính của khách hàng để đánh giá khả năng trả nợ vào mỗi cuối kỳ hạn của chủ thẻ.

Một số thông tin về hạn mức tín dụng

Hạn mức tín dụng có thể tăng hoặc giảm tùy vào lịch sử tín dụng của bạn. Những khách hàng có lịch sử tín dụng xấu sẽ có hạn mức tín dụng thấp hoặc thậm chí đơn đăng ký thẻ tín dụng sẽ bị từ chối. Ngược lại, nếu có lịch sử tín dụng tốt bạn có thể yêu cầu tăng hạn mức tín dụng sau một thời gian sử dụng. Điều bạn cần làm là chuẩn bị đầy đủ giấy tờ chứng minh năng lực tài chính; đặc biệt là không được có nợ xấu, nợ quá hạn.

The signal limitation
Cách xác định hạn mức tín dụng

Những điều kiện để cấp hạn mức tín dụng

Để được cấp hạn mức tín dụng, bạn phải đạt đủ điều kiện để được mở thẻ tín dụng trước đó. Mỗi ngân hàng sẽ có các điều kiện khác nhau nhưng về cơ bản, đa số các ngân hàng có các điều kiện chung như:

  • Là người Việt Nam hoặc người nước ngoài đang sinh sống hợp pháp tại Việt Nam; những cá nhân, các công ty được ủy quyền sử dụng thẻ.
  • Chủ thẻ tín dụng phải từ 18 tuổi trở lên với công việc và mức thu nhập ổn định.
  • Khách hàng cần có tài sản đảm bảo như chứng minh thu nhập; sổ tiết kiệm, những giấy tờ có giá trị như sổ đỏ, giấy tờ nhà đất,… được ngân hàng chấp nhận.
  • Khách hàng có lương được chuyển qua tài khoản tại ngân hàng đăng ký tín dụng thẻ sẽ được ưu tiên cho tín dụng thẻ. Công việc hàng có lương được chuyển qua tài khoản sẽ giúp ngân hàng dễ dàng tìm kiếm sao kê tài khoản, từ đó biết được mức độ ổn định công việc và thu nhập hàng tháng qua tiền lương của bạn là bao nhiêu.

The element and how to verify the signal time

Đăng ký tín hiệu dịch vụ

Tương tự như bình suất và chi phí, tín dụng hạn chế là một phần tử được xác định trước. You are up the signal by your sub. Tín hiệu thẻ thông thường được chia thành nhiều mức hạn chế khác nhau tùy theo nhu cầu của khách hàng.

Cá nhân cấp thu nhập

Mức thu nhập hàng tháng là yếu tố quan trọng ảnh hưởng đến mức tín dụng mà ngân hàng phê duyệt. Thu nhập càng cao và ổn định sẽ dễ dàng được ngân hàng cấp hạn mức tín dụng cao hơn.

Lich sử dụng tín hiệu

Ngân hàng sẽ ưu tiên cấp tín dụng cho các khách hàng có lịch sử dụng tín hiệu tốt, không có hồ sơ quá hạn, ghi nợ. Nếu đang có khoản vay tại bất cứ ngân hàng nào, bạn nên chú ý theo dõi để thanh toán nợ đúng hạn, tránh ảnh hưởng đến lịch sử dụng tín dụng của mình.

Hy vọng với những thông tin trên, bạn có thể có một sự chuẩn bị tốt nhất trước khi quyết định sử dụng tín dụng dịch vụ từ ngân hàng. Tuy nhiên, nếu có nhu cầu với các khoản vay nhanh và đơn giản hơn, bạn có thể tìm hiểu thêm từ các bài viết dưới đây!

>> Vay tín chấp trực tuyến – giải ngân nhanh, thủ tục đơn giản
>> Vay tiền tiêu dùng trực tuyến nhận tiền qua ngân hàng thẻ

trungtq

252 bình luận trong “Cách xác định hạn mức tín dụng của ngân hàng khi làm thẻ

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