Are there credit cards that can be created without verification? [Must-see for those who are worried about failing the examination]
Even if you have a card that you really want to make, you can't own it unless you pass the examination.
Many people may be worried about whether they will pass the examination or whether there is a credit card that can be held without examination.
In this article, we will explain whether there are credit cards that can be made without an examination. We also introduce recommended credit cards for those who are worried about the screening, so please refer to them.
What are credit card screening criteria?
Credit card screening is different for each card company. However, the following two screening criteria are common to all credit card companies.
The first is credit information.
When you apply for admission screening to issue a credit card, the card company will make an informal inquiry to the designated credit information agency " CIC " in order.
CIC holds information and payment information when applying for credit cards and loans in the past for a certain period.
In addition, past usage records can be traced back several years. The credit card company will determine whether or not the applicant has the ability to pay after reading all of them.
Please note that CIC is not the only credit bureau. There are also JICC ( Japan Credit Information Center ) and Zengin Personal Credit Information Center.
These credit information agencies commonly store a past usage history called " credit history " for a certain period.
People who make credit payments over a certain amount over a long period and pay them back smoothly are likely to have built a good credit history.
Attributes of the Person:
The second is personal attributes. Simply put, it refers to personal information that helps us to understand our ability to pay.
For example, work information. One of the attribute information is what kind of company you work for and what kind of position you hold.
In particular, there is a tendency to focus on the length of service and annual income, so people with stable incomes above a certain amount may be advantageous in the examination.
In addition, the attributes of the person include family composition and home information.
You can understand this by checking the required items when applying for a card, but questions about the number of years you have lived and the type of residence will be applicable.
It is not disclosed how the screening is conducted, but there is a possibility that the admission screening is performed based on the information.
Therefore, it is recommended that the information be entered as accurately as possible to avoid misrepresentation.
debit card
A debit card is a card that can be used for shopping and dining, just like a credit card.
The big difference from a general credit card is that the money is immediately debited from your account.
With credit cards, the amount paid by the card company is paid in advance, but with debit cards, it is linked to a bank account.
Among the many debit cards, we recommend AEON Bank Cash + Debit.
This card has multiple functions such as " JCB debit ", " electronic money WAON ", and " AEON Bank cash card ".
There are three merits of AEON Bank Cash + Debit that you should pay attention to.
The first is that you can smoothly shop within your account balance. Equipped with WAON, electronic money that can be easily used anywhere.
Therefore, there is no need to take out coins from your wallet even for small purchases.
The second is that shopping at AEON is advantageous. A 5% discount will be applied on the 20th and 30th of the Customer Appreciation Day, and WAON points will be doubled at the target stores.
It will be a great advantage for ion users.
The third point is that AEON Bank ATM fees are free 365 days a year. If it is daytime on weekdays, no fees will be charged for use at affiliated financial institutions.
It's very convenient to have one because it's a debit card that can be used conveniently in every situation.
prepaid card
Among the prepaid cards, I would like to recommend the " au PAY prepaid card ". It is also listed on the official website, but it is one of the most popular cards owned by one in two au users.
What I would like to pay particular attention to with such an au PAY prepaid card is how easy it is to accumulate points.
If you shop at convenience stores and supermarkets nationwide, you will earn 1 Ponta point for every ¥200 spent. In the case of cash payment, points are not earned, so you can see that it is much more profitable.
Furthermore, if you shop at eligible point-up stores, you can earn 2 Ponta points for just 200 yen.
For example, at 7-Eleven, you can get 2 Ponta points just by purchasing a 200 yen loaf of bread.
The accumulated Ponta points can be used at 1 yen per point. You can change your prepaid card and use it at any store.
Since it also has an auto-charge function, it is very convenient to be able to charge only the amount that is not enough when shopping or to set the charge so that a fixed amount can be maintained.
Are there cards with loose or sweet reviews?
Credit card screening criteria vary by the credit card company, but unfortunately, it is not made public what criteria are being screened.
Therefore, in the unlikely event that you fail the examination, you will not be able to tell me why you did not pass the examination. It will be difficult to judge unconditionally whether the examination is loose or sweet.
Admission checks are conducted to verify the ability to pay. It is said that it is easy to fail the examination if there is "delayed payment", "personal bankruptcy", or "false declaration" in the past.
It is also true that there are credit cards that may pass the review if there is no act that damages past transaction history like this.
Points to be aware of when choosing a credit card for those who are worried about screening
If you are worried about the examination, it is important to carefully select the card. Here, we will introduce two points for choosing a credit card for those who are anxious about the examination.
In the first place, there are cases where housewives do not earn income from full-time work or have low income from only part-time work, so cards that require annual membership fees are not preferred.
In addition, housewives who often shop for food and daily necessities tend to emphasize preferential discounts and point increases at stores. Many credit card companies offer services that meet your needs.
Some credit cards offer points for paying utility bills. Housewives love the card, which allows them to earn points while using it regularly.
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