Credit card pre-credit

Pre-credit line is a line initially drawn up by the risk control system based on basic information, and whether it can be reached depends on further qualification review.

(1) Pre-credit process

1, pre-sale letter application

When a customer visits a 4S shop to see a car, the dealer's credit staff recommends that the customer log on to the website of the financial company to learn about the credit policies of various brands and models, submit personal information such as name, ID number, occupation, income and contact information online, submit credit inquiry authorization on the data uploading interface, and apply for online pre-credit on the website. Or by scanning the QR code of the 4S store, the dealer will assist the customer to fill in personal information such as name, ID number, occupation, income and contact information, submit the image of the authorization letter for credit inquiry, and submit the pre-credit application.

2. Pre-credit approval

After receiving the customer's application, the financial company system will automatically give the pre-credit result in combination with the customer's industry, credit information, information of the Ministry of Public Security, risk control model and other personal information. At the same time, the system automatically sends the pre-credit result short message to the applicant. If the customer's conditions do not meet the pre-credit requirements, it will be rejected and the process will end. If approved, the approved result will be sent. The approved pre-credit results include signal granting, credit amount and recommended financial products. The pre-credit approval limit is valid for a certain period of time.

3. Formal application after the pre-credit is approved.

During the validity period of the credit, the customer can submit an application for loan products within the pre-credit line when selecting the vehicle type. This application only needs to supplement relevant information such as vehicles.

4. Formal approval

After receiving the approved customer pre-credit application, the financial company system comprehensively judges the customer information and loan application, and directly issues the audit conclusion that meets the second batch of standards. Otherwise, it is necessary to submit more comprehensive information or add * * * borrowers and guarantors, and enter the manual telephone survey or field survey for traditional approval.

(II) Flow chart of pre-credit

(Figure 1) Pre-credit model alleviates the disadvantages of the traditional model and increases the interactive experience between financial companies and customers, from passive participation of customers to active participation of pre-credit. In the Internet era, creating interaction with customers and bringing high satisfaction to customers will directly promote customers' enthusiasm for car loans. At the same time, pre-credit enables customers to communicate directly with financial companies, avoiding the intervention of dealer credit personnel in the choice of customer credit products, and reducing the time for dealers to communicate with customers and financial companies back and forth. The pre-credit model will be gradually improved and popularized with the development of Internet finance.

Can I get a credit card with a pre-credit limit? Card batch is skillful.

There are many card friends who want to apply for a credit card, but it is not clear whether they meet the conditions for applying for a card. You can check the bank's pre-credit line. If you have cable, you might as well try to apply. If there is no thread, don't give it away. Some people will ask, can I get a card with a pre-credit line? Let's analyze it below.

Pre-credit line refers to the credit card approval line granted by the bank to customers who have business dealings, such as having a savings card in the bank, purchasing wealth management, paying provident fund, and handling mortgage loans. When the bank has the customer information, it can make a preliminary judgment on the customer's credit status to estimate the quota.

However, it is uncertain whether the card can be issued with a pre-credit line. After all, the early credit line is only a means for banks to attract customers. After the customer submits the card application, it will also comprehensively evaluate the customer's current credit status, score according to credit status, income-debt ratio, asset strength, work stability and other aspects, and then decide whether to approve the card credit according to the final score.

If the final score does not meet the conditions for bank card approval, it will still be rejected. Therefore, don't think that a pre-credit line will be stable. There is also the pre-credit line ≠ the actual card line. According to many netizens' feedback, after the card was approved with the pre-credit line, the amount given by the bank was much lower.

It should be noted here that those with pre-credit lines are usually high-quality customers of banks, which have advantages over ordinary customers. If you want to approve the card smoothly, or have a high credit limit, it is best to optimize your personal qualifications before handling the card, such as reducing debts, increasing income, increasing assets, etc., so that you can handle the card more confidently.

Is the credit card pre-credit line the same as the actual credit card line? You'll know after reading it

Many cardholders don't know how much credit cards can be approved. In this case, we can see if the bank has a pre-credit line. If there is a card, the pass rate will be greater. However, many people don't know the pre-credit limit of credit cards. I wonder if it is the same as the actual credit line? Let's analyze it.

1. What is the pre-credit limit of the credit card?

The credit limit is a general indicator of the credit card limit approved by the bank according to the applicant's qualification. Simply put, it is the maximum card amount that the bank can provide to the applicant. This trip is for reference only and no promises are made.

It should be noted that applicants with pre-credit lines generally have a higher probability of getting credit cards, but they may also encounter failures.

2. Is it the same as the actual card amount?

90% will be different, and the advance amount is generally higher than the actual amount. After all, in order to attract cardholders to apply for a card, banks must first draw a high-quota pie, but few people can really get such a high quota after applying for a card.

After all, in the actual examination and approval, the final card amount is affected by many factors. The banking system will comprehensively score the applicant's credit information, income-debt ratio, asset strength and job stability, and then grant credit according to the score results.

take for example

Xiao Li wants to apply for a Zhang Jianhang credit card. Now he entered the pre-credit line in the dialog box of CCB WeChat Bank, saw that the credit card pre-credit was 654.38 million yuan, and then went to apply for a card. As a result, after the credit card was approved successfully, the bank only gave a credit line of 8,000 yuan. Obviously, the credit card pre-credit line is not the actual credit line.

What does bank pre-credit mean?

Bank pre-credit means that when we apply for a bank credit card or loan, the bank will give us a maximum credit line in advance, but the pre-credit line is not equal to the actual loan line. The actual quota will be reviewed according to the materials provided after we submit the application, and finally we will decide whether to issue the quota and the size of the quota according to our credit status.

Bank credit process:

1. Credit application: When the borrower needs credit funds, he should apply for credit according to the requirements of the bank and promise that the information provided is legal and valid. The main contents include: the basic information of the borrower (borrower's name, business scope, financial status, etc.). ), basic information of credit application (including credit type, amount, term, interest rate, guarantee method, purpose, payment plan and repayment plan, etc.). ), if it involves project credit, it should also provide project information.

Two. Credit Acceptance: After receiving the borrower's relevant information, the bank will appoint an account manager to accept it, design credit products according to the borrower's situation, and discuss with the borrower to determine the credit plan.

3. Credit investigation: After the bank determines the credit plan, the account manager conducts an investigation to collect the borrower's information (the borrower's credit application, business license, tax registration certificate, organization code certificate, articles of association, purchase and sale contract, bank statement, etc.). ); Involved in the project credit, should provide project information), analyze the borrower's credit status, financial status, operating conditions, etc. And evaluate the project benefit and the borrower's ability to repay the principal and interest. At the same time, analyze the borrower's guarantee ability. If collateral (pledge) is involved, it is necessary to analyze the ownership, market value and mortgage rate of collateral (pledge). The account manager writes an investigation report according to the investigation contents, and puts forward the investigation conclusions and relevant risk control measures.

4. Credit review: the account manager submits an investigation report to the examination and approval department, which conducts risk assessment according to the investigation report and credit-related materials, reviews the borrower's financial status, operating status, repayment ability and guarantee, and sets corresponding preconditions and management requirements according to the main risks to control the risks within a controllable range.

Verb (abbreviation of verb) credit approval: The approver has the right to make decisions on the investment of credit funds, credit limit, term and interest rate according to the principle of "separation of loan approval and step-by-step approval", and sign approval opinions step by step.

Signing a contract with intransitive verbs: the bank and the borrower jointly sign a loan contract to clarify the rights and business of both borrowers and borrowers, including the types, amount, term, interest rate, purpose and repayment guarantee of the loan. For secured credit, the bank also needs to sign a guarantee contract with the guarantor, and for mortgage (pledge) secured credit, the bank also needs to sign a mortgage (pledge) contract and go through the mortgage formalities.

Seven. Credit granting: Banks should set up independent departments or posts to be responsible for credit granting. Before granting credit, it shall ensure that the borrower meets the contract withdrawal conditions, manage the payment of credit funds in the way agreed in the contract, and supervise the implementation of the actual use of credit.

Eight. Credit payment: the bank should set up an independent department or post to be responsible for the review and payment operation of credit payment. At present, the entrusted payment method is generally adopted, and the bank directly pays the credit funds to its counterparty through the borrower's account to ensure that the credit is used according to the agreed purpose.

Nine. Post-loan management: the bank should supervise the borrower's credit utilization, track the borrower's financial status and repayment ability, check the effectiveness of the collateral and the guarantor's guarantee ability, and the account manager should collect the borrower's financial statements regularly to understand the borrower's actual production and operation or the actual construction of the project.

X. Credit recovery or disposal: the bank shall prompt the borrower to repay the loan principal and interest before the credit expires. For credit extension, banks should evaluate the rationality and feasibility of extension. If the borrower fails to repay the loan on time due to temporary difficulties, the bank may negotiate with the borrower for credit restructuring; For non-performing loans, banks should take the form of write-off or preservation in accordance with regulations.

The introduction of credit card pre-credit and credit card pre-credit line ends here. I wonder if you found the information you need from it?