There are people who are concerned that the issuance of cards will become difficult as the government comes up with various regulations to manage household debt.
As you know, credit card companies issue cards when customers meet certain conditions other than their credit score.
Each company may have slightly different parts, but the basic conditions are the same. 농협 신용카드 발급조건
Let’s take a look at the credit card issuance conditions that are similarly applied.
First of all, you must be an adult over the age of 19 and have a credit rating of 1-6. 이베이스매뉴얼
Personal credit score must be 665 or higher according to the NICE standard, and must be an office worker who has worked for at least 3 months and is enrolled in the 4 major insurances. If we look at it in more detail, it is a worker who has a nationally recognized qualification or license, a member of the four major insurances or a public official who is in a regular job, or a member of a special occupational pension. And this includes professionals such as lawyers and veterinarians.
What should I do if I do not have a job or if I am not enrolled in the 4 major insurances?
If you are receiving a fixed pension income or have property in your name, that is, real estate, it can be issued based on this.
If you are the head of a household and are paying more than a certain amount each month as a local health insurance subscriber, and a local subscriber paying more than 50,000 won per month in the national pension, you can receive a three-month payment result.
If you are a housewife, your spouse must meet the conditions.
It can also be based on your average bank balance.
In this case, you must maintain an average balance of more than a certain amount in your account for a certain period of time.
Each credit company has a different average balance as a basis.
In the case of Kookmin Card, it is possible if you maintain a balance of KRW 500,000 or more for 6 months or more, or if you have a deposit or savings of KRW 3 million or more for 6 months when using a bank other than the company. However, in this case, free deposit and withdrawal accounts are excluded. Nonghyup can maintain an average balance of 6 million won for 6 months, and Citibank can do it if it maintains an average of 500,000 won or more for 6 months. The Woori Card does not look at the period separately, and you only need to have a balance of 5 million won.
In the case of Shinhan Bank, there are several conditions. You must have an average balance of 800,000 won for 3 months and 2.4 million won for 1 month in your Shinhan Bank account when the 6-month valuation is 2 million won or more in your securities account.
For Hana Card, the average required for each period is different. It is issued when the balance is more than 300,000 won for 3 months, 900,000 won or more for 1 month, and 30 million won or more if the period is not met.
In the case of college students, if they are working part-time, it is recognized as income and can be issued if the credit rating is met.
Of course, even if the above conditions are satisfied, if there is a card loan or overdue record, the examination result may be different.
Please check the credit card issuance conditions you learned today and lead a wise consumption life.