個人信貸評級

3ii

黑斯廷斯 發表於 2011-10-16 01:14
街數

近80個

上次你話
bank還批你卡wor

3ii

黑斯廷斯 發表於 2011-10-16 01:24
佢自己批

禾冇申請

0.57 都幾抵下

藍天白雲

3ii 發表於 2011-10-14 00:20
又或者樓主有無物業在手？
有的話就一定批幾萬

都唔一定嫁真實個案:我有一個friend,嚮大陸打工,但嚮海外出糧避稅,自己嚮香港恒生供緊層時值450萬的樓,按揭金額為130萬,向中銀香港申請張信用卡,貪佢有兩幣制,方便在大陸使用,自己有AE同HSBC金卡,紀錄AA+,中銀的答案係:唔批,因為無有效收入證明----稅單.

藍天白雲

k12k 發表於 2011-10-14 01:33
有人提議我申請下私貸, 還晒又準時, 咁又會加分......又可行嗎?

應該可行,只是時間需要較長,視唔同銀行而定,總之,優良信貸紀錄係可以製作出來的,但需要時間,以你的評級紀錄g級計,我相信你唔做够三年以上的紀錄,都好難被各銀行取信.償試嚮2-3間銀行攞私貸,準時還款,1年為期限,睇吓評級回升的情況,再決定是否繼續製作良好信貸紀錄.

losai

i think you should keep a good habit to check your credit reports regularly...

albertchow

k12k 發表於 2011-9-26 21:24
剛剛去CHECK左自己信貸評級,取得報告, 評分為G. 想改善評級及申請信用卡, 有什麼方法 ?

07年5月D錢一時轉 ...

如果你無試過申請,又點知會唔會成功?

申請信用卡,除左睇收入之外,仲會睇你資產
去銀行直接申請,會比較難
以小弟經驗來講,銀行多數會直接打電話推銷,或者隔一段時間就寄宣傳單張連表格,根本無需要自己特單去申請,不過無咁多迎新禮品,所以小弟多數會拒絕

反而係街頭果D Sales會比較容易,不但迎新禮品多D,而且消費優惠,同係銀行申請一樣
佢地會教埋你點做,通常需要收入證明或過去3個月既存款記錄
不妨可以試下~

茄輪王

k12k 發表於 2011-10-14 01:33
有人提議我申請下私貸, 還晒又準時, 咁又會加分......又可行嗎?

無端端咁去俾利息.....NO WAY !!!
正如之前有人所講,申請張超低額CARD再用時間改善評級為上策!!!

suitechic

defintely no borrowing in the fuuture will help

k12k

suitechic 發表於 2011-10-17 22:06
defintely no borrowing in the fuuture will help

you mean "definitely no borrowing in the future will help?"

I think that cannot help me to solve my problem, I wish to level up my grade, however thank you.

mc_chan

have u tried all the banks in hong kong??
actually your salary account at wing lung, that one will be the most likely issue first credit card for you.
u can call the bank and ask for that. also, for a bigger chance to succeed, you may request a relatively low credit limit, like $5000, that way, bank can estimate your credibilty and balance the risk.
take action to ask bro, or u will spend long time on this without progress.
loan is always no good option to create a credibilty, too much to pay.
if you have enough money left in bank account, bank will find you.
dun spend stupid money on interest. doesnt worth!!

dicky777

我之前有個朋友情況同你差唔多,佢最後都申請到信用卡,但係評級應該是去到D或C的,而且信用額唔夠一萬,我建議你定期去你出糧的銀行申請,機會大d,因為我朋友都係出糧銀行申請,如果唔批過一兩個月再試下,希望幫到你啦!

wa0531

我已經很久沒用credit card
都ok ar
我要買野問老婆就好了
我份人工都比佢keep

通天神州

人家問申請咭問題, 點解會衍生咁多野出來架~ 好似股市般多元化~