審査の方法
では、日本のクレジットカード会社の審査方法はどんなことをするのか？
これに関しては、それこそ会社独自ですので、ここで特定はできません。ただ、一般に申込書で記載することが点検材料となるのは当然ですので、それによって点数をつけられて基準値を出しているようです。
自己破産者
過去半年以内に他に申込んで却下された場合
年収が基準に満たない場合
仕事を持たない場合（収入が証明できない場合）
他のカードなどで滞納などを多く記録されている場合
申込書の記載内容に虚実がある場合
Rating
53
Native
Translation / English
- Posted at 02 Nov 2012 at 02:56
Examination Method
Now, what are the kinds of examination methods Japanese credit card companies use?
In regard to this, each company is unique so therefore we cannot define this. However, it is natural for what is mentioned in the application to generally become the object of inspection so it therefore seems that marks are assigned in accordance with this factor, and they produce an standard score.
Bankrupt Individuals
- When in the past 6 months they have made an application elsewhere that was rejected.
- When their salary does not meet the standard.
- When they are not employed (or cannot prove their income).
- When there are multiple records of them defaulting on a different card.
- When there are falsehoods in the contents of the application form.
Now, what are the kinds of examination methods Japanese credit card companies use?
In regard to this, each company is unique so therefore we cannot define this. However, it is natural for what is mentioned in the application to generally become the object of inspection so it therefore seems that marks are assigned in accordance with this factor, and they produce an standard score.
Bankrupt Individuals
- When in the past 6 months they have made an application elsewhere that was rejected.
- When their salary does not meet the standard.
- When they are not employed (or cannot prove their income).
- When there are multiple records of them defaulting on a different card.
- When there are falsehoods in the contents of the application form.
