{"id":721,"date":"2026-03-12T20:01:04","date_gmt":"2026-03-12T20:01:04","guid":{"rendered":"https:\/\/likapk.com\/?p=721"},"modified":"2026-03-12T20:01:04","modified_gmt":"2026-03-12T20:01:04","slug":"ubs-credit-card-switzerland-credit-score-requirements-and-approval-tips","status":"publish","type":"post","link":"https:\/\/likapk.com\/vi\/ubs-credit-card-switzerland-credit-score-requirements-and-approval-tips\/721\/","title":{"rendered":"Th\u1ebb t\u00edn d\u1ee5ng UBS Th\u1ee5y S\u0129: Y\u00eau c\u1ea7u \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u00e0 m\u1eb9o \u0111\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn"},"content":{"rendered":"

UBS cung c\u1ea5p c\u00e1c lo\u1ea1i th\u1ebb t\u00edn d\u1ee5ng cao c\u1ea5p t\u1ea1i Th\u1ee5y S\u0129 v\u1edbi nhi\u1ec1u \u01b0u \u0111\u00e3i c\u1ea1nh tranh d\u00e0nh cho c\u1ea3 c\u01b0 d\u00e2n v\u00e0 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i. Hi\u1ec3u r\u00f5 c\u00e1c y\u00eau c\u1ea7u t\u00edn d\u1ee5ng gi\u00fap ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n t\u0103ng c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn t\u1eeb ng\u00e2n h\u00e0ng h\u00e0ng \u0111\u1ea7u Th\u1ee5y S\u0129 n\u00e0y.<\/p>\n

H\u1ec7 th\u1ed1ng \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng c\u1ee7a Th\u1ee5y S\u0129 kh\u00e1c bi\u1ec7t \u0111\u00e1ng k\u1ec3 so v\u1edbi c\u00e1c h\u1ec7 th\u1ed1ng c\u1ee7a M\u1ef9 nh\u01b0 \u0111i\u1ec3m FICO. UBS \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng t\u00edn d\u1ee5ng th\u00f4ng qua vi\u1ec7c x\u00e1c minh thu nh\u1eadp, t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa v\u00e0 s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh thay v\u00ec \u0111i\u1ec3m t\u00edn d\u1ee5ng truy\u1ec1n th\u1ed1ng.<\/p>\n

C\u00e1ch UBS \u0111\u00e1nh gi\u00e1 \u0111\u01a1n xin th\u1ebb t\u00edn d\u1ee5ng t\u1ea1i Th\u1ee5y S\u0129<\/h2>\n

UBS d\u1ef1a v\u00e0o c\u00e1c c\u01a1 quan t\u00edn d\u1ee5ng Th\u1ee5y S\u0129 nh\u01b0 ZEK (Zentralstelle f\u00fcr Kreditinformation) \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 ng\u01b0\u1eddi xin vay. C\u00e1c c\u01a1 quan n\u00e0y theo d\u00f5i t\u00ecnh tr\u1ea1ng v\u1ee1 n\u1ee3, ph\u00e1 s\u1ea3n v\u00e0 c\u00e1c kho\u1ea3n n\u1ee3 ch\u01b0a thanh to\u00e1n tr\u00ean to\u00e0n h\u1ec7 th\u1ed1ng t\u00e0i ch\u00ednh Th\u1ee5y S\u0129.<\/p>\n

Ng\u00e2n h\u00e0ng s\u1ebd xem x\u00e9t thu nh\u1eadp h\u00e0ng th\u00e1ng, s\u1ef1 \u1ed5n \u0111\u1ecbnh vi\u1ec7c l\u00e0m v\u00e0 c\u00e1c ngh\u0129a v\u1ee5 t\u00e0i ch\u00ednh hi\u1ec7n c\u00f3 c\u1ee7a b\u1ea1n. H\u1ed3 s\u01a1 ZEK s\u1ea1ch s\u1ebd k\u1ebft h\u1ee3p v\u1edbi thu nh\u1eadp \u1ed5n \u0111\u1ecbnh s\u1ebd c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3 kh\u1ea3 n\u0103ng vay v\u1ed1n c\u1ee7a b\u1ea1n. ph\u00ea duy\u1ec7t th\u1ebb t\u00edn d\u1ee5ng<\/strong> c\u01a1 h\u1ed9i v\u1edbi UBS.<\/p>\n

Y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u \u0111\u1ec3 s\u1edf h\u1eefu th\u1ebb t\u00edn d\u1ee5ng UBS<\/h2>\n

Ng\u01b0\u1eddi \u0111\u0103ng k\u00fd ph\u1ea3i \u00edt nh\u1ea5t 18 tu\u1ed5i v\u00e0 c\u00f3 gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa h\u1ee3p l\u1ec7 t\u1ea1i Th\u1ee5y S\u0129. UBS th\u01b0\u1eddng y\u00eau c\u1ea7u thu nh\u1eadp t\u1ed1i thi\u1ec3u h\u00e0ng th\u00e1ng l\u00e0 2.500 CHF \u0111\u1ed1i v\u1edbi th\u1ebb c\u01a1 b\u1ea3n v\u00e0 m\u1ee9c cao h\u01a1n \u0111\u1ed1i v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m cao c\u1ea5p.<\/p>\n

B\u1ea1n c\u1ea7n c\u00f3 t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng Th\u1ee5y S\u0129, t\u1ed1t nh\u1ea5t l\u00e0 t\u1ea1i UBS, \u0111\u1ec3 thu\u1eadn ti\u1ec7n cho vi\u1ec7c thanh to\u00e1n v\u00e0 ch\u1ee9ng minh m\u1ed1i quan h\u1ec7 ng\u00e2n h\u00e0ng. C\u00f4ng d\u00e2n n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i cung c\u1ea5p gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa h\u1ee3p l\u1ec7 (gi\u1ea5y ph\u00e9p lo\u1ea1i B ho\u1eb7c C l\u00e0 t\u1ed1t nh\u1ea5t).<\/p>\n

T\u00ecm hi\u1ec3u v\u1ec1 h\u1ec7 th\u1ed1ng c\u01a1 quan t\u00edn d\u1ee5ng Th\u1ee5y S\u0129<\/h2>\n

ZEK l\u01b0u gi\u1eef h\u1ed3 s\u01a1 v\u1ec1 c\u00e1c kho\u1ea3n n\u1ee3 x\u1ea5u, v\u1ea5n \u0111\u1ec1 thanh to\u00e1n v\u00e0 ph\u00e1n quy\u1ebft t\u00e0i ch\u00ednh tr\u00ean kh\u1eafp Th\u1ee5y S\u0129. Kh\u00f4ng gi\u1ed1ng nh\u01b0 \u0111i\u1ec3m FICO, kh\u00f4ng c\u00f3 x\u1ebfp h\u1ea1ng b\u1eb1ng s\u1ed1 \u2014 c\u00e1c m\u1ee5c nh\u1eadp \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i nh\u1ecb ph\u00e2n (s\u1ea1ch ho\u1eb7c b\u1ecb g\u1eafn c\u1edd).<\/p>\n

M\u1ed9t m\u1ee5c nh\u1eadp ZEK \u00e2m duy nh\u1ea5t c\u00f3 th\u1ec3 g\u00e2y t\u1eafc ngh\u1ebdn. \u0111\u01a1n xin th\u1ebb t\u00edn d\u1ee5ng<\/strong> Trong nhi\u1ec1u n\u0103m. Vi\u1ec7c ki\u1ec3m tra h\u1ed3 s\u01a1 ZEK c\u1ee7a b\u1ea1n tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n gi\u00fap x\u00e1c \u0111\u1ecbnh c\u00e1c tr\u1edf ng\u1ea1i ti\u1ec1m \u1ea9n v\u00e0 cho ph\u00e9p c\u00f3 th\u1eddi gian gi\u1ea3i quy\u1ebft tranh ch\u1ea5p.<\/p>\n

X\u00e1c minh thu nh\u1eadp v\u00e0 gi\u1ea5y t\u1edd ch\u1ee9ng minh<\/h2>\n

UBS y\u00eau c\u1ea7u phi\u1ebfu l\u01b0\u01a1ng g\u1ea7n \u0111\u00e2y (th\u01b0\u1eddng l\u00e0 ba th\u00e1ng g\u1ea7n nh\u1ea5t) v\u00e0 h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng \u0111\u1ec3 x\u00e1c minh thu nh\u1eadp. \u1ee8ng vi\u00ean t\u1ef1 kinh doanh ph\u1ea3i n\u1ed9p t\u1edd khai thu\u1ebf v\u00e0 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh kinh doanh c\u1ee7a nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y.<\/p>\n

Ng\u00e2n h\u00e0ng s\u1ebd t\u00ednh to\u00e1n t\u1ef7 l\u1ec7 n\u1ee3 tr\u00ean thu nh\u1eadp c\u1ee7a b\u1ea1n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng h\u1ee3p l\u00fd. Vi\u1ec7c duy tr\u00ec chi ph\u00ed d\u01b0\u1edbi 30% t\u1ed5ng thu nh\u1eadp th\u1ec3 hi\u1ec7n tr\u00e1ch nhi\u1ec7m t\u00e0i ch\u00ednh v\u00e0 t\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn vay.<\/p>\n

\u1ea2nh h\u01b0\u1edfng c\u1ee7a t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa \u0111\u1ebfn vi\u1ec7c ph\u00ea duy\u1ec7t<\/h2>\n

C\u00f4ng d\u00e2n Th\u1ee5y S\u0129 v\u00e0 ng\u01b0\u1eddi s\u1edf h\u1eefu gi\u1ea5y ph\u00e9p l\u00e1i xe h\u1ea1ng C \u0111\u01b0\u1ee3c \u01b0u ti\u00ean trong vi\u1ec7c \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng. Ng\u01b0\u1eddi s\u1edf h\u1eefu gi\u1ea5y ph\u00e9p l\u00e1i xe h\u1ea1ng B \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n nh\u01b0ng c\u00f3 th\u1ec3 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng ban \u0111\u1ea7u th\u1ea5p h\u01a1n. gi\u1edbi h\u1ea1n t\u00edn d\u1ee5ng<\/strong> ho\u1eb7c c\u00e1c y\u00eau c\u1ea7u v\u1ec1 gi\u1ea5y t\u1edd b\u1ed5 sung.<\/p>\n

Ng\u01b0\u1eddi c\u01b0 tr\u00fa t\u1ea1m th\u1eddi theo di\u1ec7n th\u1ecb th\u1ef1c L th\u01b0\u1eddng g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn do th\u1eddi gian c\u01b0 tr\u00fa ng\u1eafn. X\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 ng\u00e2n h\u00e0ng v\u1edbi UBS tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n s\u1ebd c\u1ea3i thi\u1ec7n kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn cho ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i.<\/p>\n

C\u00e1c l\u1ef1a ch\u1ecdn v\u00e0 l\u1ee3i \u00edch c\u1ee7a th\u1ebb t\u00edn d\u1ee5ng UBS<\/h2>\n

UBS cung c\u1ea5p nhi\u1ec1u h\u1ea1ng th\u1ebb kh\u00e1c nhau, bao g\u1ed3m c\u00e1c c\u1ea5p \u0111\u1ed9 Classic, Gold v\u00e0 Platinum. M\u1ed7i c\u1ea5p \u0111\u1ed9 mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch kh\u00e1c nhau. ph\u1ea7n th\u01b0\u1edfng du l\u1ecbch<\/strong>, b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 ng\u01b0\u1eddi mua \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ri\u00eang cho c\u00e1c ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng kh\u00e1c nhau.<\/p>\n

C\u00e1i Ch\u01b0\u01a1ng tr\u00ecnh th\u1ebb t\u00edn d\u1ee5ng UBS<\/a> Bao g\u1ed3m c\u00e1c t\u00f9y ch\u1ecdn ho\u00e0n ti\u1ec1n, h\u1ee3p t\u00e1c v\u1edbi c\u00e1c h\u00e3ng h\u00e0ng kh\u00f4ng v\u00e0 t\u1ef7 gi\u00e1 h\u1ed1i \u0111o\u00e1i \u01b0u \u0111\u00e3i. Th\u1ebb cao c\u1ea5p cung c\u1ea5p quy\u1ec1n s\u1eed d\u1ee5ng ph\u00f2ng ch\u1edd s\u00e2n bay v\u00e0 c\u00e1c quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m du l\u1ecbch to\u00e0n di\u1ec7n.<\/p>\n

C\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec3 t\u0103ng kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn<\/h2>\n

Vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n ti\u1ebft ki\u1ec7m ho\u1eb7c t\u00e0i kho\u1ea3n thanh to\u00e1n t\u1ea1i UBS gi\u00fap thi\u1ebft l\u1eadp l\u1ecbch s\u1eed giao d\u1ecbch ng\u00e2n h\u00e0ng tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n vay. Ti\u1ec1n g\u1eedi th\u01b0\u1eddng xuy\u00ean v\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u00e0i kho\u1ea3n ch\u1ee9ng minh s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh cho c\u00e1c chuy\u00ean vi\u00ean th\u1ea9m \u0111\u1ecbnh t\u00edn d\u1ee5ng.<\/p>\n

Vi\u1ec7c thanh to\u00e1n t\u1ea5t c\u1ea3 c\u00e1c h\u00f3a \u0111\u01a1n \u0111\u00fang h\u1ea1n trong \u00edt nh\u1ea5t s\u00e1u th\u00e1ng t\u1ea1o ra nh\u1eefng th\u00f3i quen t\u00e0i ch\u00ednh t\u00edch c\u1ef1c. Tr\u00e1nh th\u1ea5u chi v\u00e0 duy tr\u00ec s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n d\u01b0\u01a1ng th\u1ec3 hi\u1ec7n kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd ti\u1ec1n b\u1ea1c c\u00f3 tr\u00e1ch nhi\u1ec7m \u0111\u1ed1i v\u1edbi UBS.<\/p>\n

Qu\u1ea3n l\u00fd c\u00e1c kho\u1ea3n n\u1ee3 hi\u1ec7n c\u00f3 tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n<\/h2>\n

Gi\u1ea3m c\u00e1c kho\u1ea3n vay v\u00e0 ngh\u0129a v\u1ee5 t\u00edn d\u1ee5ng ch\u01b0a thanh to\u00e1n s\u1ebd c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3 t\u1ef7 l\u1ec7 n\u1ee3 tr\u00ean thu nh\u1eadp. Vi\u1ec7c tr\u1ea3 b\u1edbt n\u1ee3 th\u1ebb t\u00edn d\u1ee5ng hi\u1ec7n c\u00f3 xu\u1ed1ng d\u01b0\u1edbi m\u1ee9c s\u1eed d\u1ee5ng 30% th\u1ec3 hi\u1ec7n h\u00e0nh vi t\u00edn d\u1ee5ng t\u1ed1t.<\/p>\n

G\u1ed9p nhi\u1ec1u kho\u1ea3n n\u1ee3 nh\u1ecf th\u00e0nh m\u1ed9t kho\u1ea3n thanh to\u00e1n duy nh\u1ea5t s\u1ebd \u0111\u01a1n gi\u1ea3n h\u00f3a h\u1ed3 s\u01a1 t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. UBS \u01b0u ti\u00ean nh\u1eefng \u1ee9ng vi\u00ean c\u00f3 c\u1ea5u tr\u00fac n\u1ee3 \u0111\u01b0\u1ee3c s\u1eafp x\u1ebfp h\u1ee3p l\u00fd v\u00e0 d\u1ec5 qu\u1ea3n l\u00fd h\u01a1n l\u00e0 nh\u1eefng ng\u01b0\u1eddi c\u00f3 c\u00e1c kho\u1ea3n n\u1ee3 r\u1ea3i r\u00e1c.<\/p>\n

T\u00e1c \u0111\u1ed9ng c\u1ee7a vi\u1ec7c s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng \u0111\u1ebfn th\u1ebb t\u00edn d\u1ee5ng Th\u1ee5y S\u0129<\/h2>\n

M\u1eb7c d\u00f9 Th\u1ee5y S\u0129 thi\u1ebfu c\u00e1c quy \u0111\u1ecbnh ch\u00ednh th\u1ee9c. s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng<\/strong> \u0110i\u1ec3m t\u00edn d\u1ee5ng v\u00e0 th\u00f3i quen chi ti\u00eau c\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn vi\u1ec7c t\u0103ng h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng. UBS theo d\u00f5i vi\u1ec7c s\u1eed d\u1ee5ng th\u1ebb h\u00e0ng th\u00e1ng v\u00e0 t\u00ednh nh\u1ea5t qu\u00e1n trong thanh to\u00e1n khi xem x\u00e9t \u0111i\u1ec1u ch\u1ec9nh h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

Vi\u1ec7c gi\u1eef chi ti\u00eau d\u01b0\u1edbi m\u1ee9c gi\u1edbi h\u1ea1n cho ph\u00e9p th\u1ec3 hi\u1ec7n s\u1ef1 ki\u1ec1m ch\u1ebf v\u00e0 ki\u1ec3m so\u00e1t t\u00e0i ch\u00ednh. Thanh to\u00e1n to\u00e0n b\u1ed9 d\u01b0 n\u1ee3 m\u1ed7i th\u00e1ng s\u1ebd tr\u00e1nh \u0111\u01b0\u1ee3c c\u00e1c v\u1ea5n \u0111\u1ec1 ph\u00e1t sinh. L\u00e3i su\u1ea5t h\u00e0ng n\u0103m<\/strong> ph\u00ed v\u00e0 ch\u1ee9ng minh kh\u1ea3 n\u0103ng t\u00edn d\u1ee5ng \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u0103ng gi\u00e1 trong t\u01b0\u01a1ng lai.<\/p>\n

Th\u1eddi \u0111i\u1ec3m n\u1ed9p \u0111\u01a1n xin th\u1ebb t\u00edn d\u1ee5ng<\/h2>\n

N\u1ed9p \u0111\u01a1n sau khi \u0111\u00e3 c\u00f3 l\u1ecbch s\u1eed giao d\u1ecbch ng\u00e2n h\u00e0ng t\u1eeb ba \u0111\u1ebfn s\u00e1u th\u00e1ng v\u1edbi UBS s\u1ebd gi\u00fap t\u0103ng kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn. Vi\u1ec7c m\u1edf t\u00e0i kho\u1ea3n g\u1ea7n \u0111\u00e2y v\u1edbi l\u1ecbch s\u1eed giao d\u1ecbch t\u1ed1i thi\u1ec3u th\u01b0\u1eddng d\u1eabn \u0111\u1ebfn b\u1ecb t\u1eeb ch\u1ed1i \u0111\u01a1n ho\u1eb7c h\u1ea1n m\u1ee9c th\u1ea5p.<\/p>\n

Tr\u00e1nh n\u1ed9p \u0111\u01a1n xin vi\u1ec7c trong th\u1eddi gian chuy\u1ec3n \u0111\u1ed5i c\u00f4ng vi\u1ec7c ho\u1eb7c ngay sau khi chuy\u1ec3n \u0111\u1ebfn Th\u1ee5y S\u0129. Vi\u1ec7c l\u00e0m \u1ed5n \u0111\u1ecbnh v\u00e0 c\u01b0 tr\u00fa \u00edt nh\u1ea5t ba th\u00e1ng s\u1ebd c\u1ee7ng c\u1ed1 \u0111\u00e1ng k\u1ec3 h\u1ed3 s\u01a1 t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n.<\/p>\n

\u0110i\u1ec1u g\u00ec x\u1ea3y ra sau khi n\u1ed9p \u0111\u01a1n?<\/h2>\n

UBS th\u01b0\u1eddng x\u1eed l\u00fd h\u1ed3 s\u01a1 trong v\u00f2ng 5-10 ng\u00e0y l\u00e0m vi\u1ec7c \u0111\u1ed1i v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p x\u00e9t duy\u1ec7t th\u00f4ng th\u01b0\u1eddng. C\u00e1c tr\u01b0\u1eddng h\u1ee3p ph\u1ee9c t\u1ea1p li\u00ean quan \u0111\u1ebfn t\u1ef1 kinh doanh ho\u1eb7c thu nh\u1eadp t\u1eeb n\u01b0\u1edbc ngo\u00e0i c\u00f3 th\u1ec3 y\u00eau c\u1ea7u th\u00eam t\u00e0i li\u1ec7u v\u00e0 th\u1eddi gian x\u1eed l\u00fd k\u00e9o d\u00e0i h\u01a1n.<\/p>\n

Nh\u1eefng ng\u01b0\u1eddi \u0111\u0103ng k\u00fd \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c th\u1ebb qua \u0111\u01b0\u1eddng b\u01b0u \u0111i\u1ec7n c\u00f3 \u0111\u0103ng k\u00fd trong v\u00f2ng hai tu\u1ea7n. Ng\u00e2n h\u00e0ng s\u1ebd ch\u1ec9 \u0111\u1ecbnh s\u1ed1 \u0111\u0103ng k\u00fd ban \u0111\u1ea7u. gi\u1edbi h\u1ea1n t\u00edn d\u1ee5ng<\/strong> D\u1ef1a tr\u00ean thu nh\u1eadp, m\u1ee9c \u0111\u1ed9 s\u00e2u s\u1eafc c\u1ee7a c\u00e1c m\u1ed1i quan h\u1ec7 hi\u1ec7n c\u00f3 v\u00e0 \u0111\u00e1nh gi\u00e1 t\u00e0i ch\u00ednh t\u1ed5ng th\u1ec3.<\/p>\n

Y\u00eau c\u1ea7u t\u0103ng h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng v\u1edbi UBS<\/h2>\n

UBS xem x\u00e9t c\u00e1c t\u00e0i kho\u1ea3n \u0111\u1ec3 t\u1ef1 \u0111\u1ed9ng t\u0103ng h\u1ea1n m\u1ee9c sau 12 th\u00e1ng s\u1eed d\u1ee5ng c\u00f3 tr\u00e1ch nhi\u1ec7m. \u00c1p d\u1ee5ng nh\u1ea5t qu\u00e1n. thanh to\u00e1n \u0111\u00fang h\u1ea1n<\/strong> v\u00e0 ho\u1ea1t \u0111\u1ed9ng th\u1ebb th\u01b0\u1eddng xuy\u00ean g\u00f3p ph\u1ea7n t\u00edch c\u1ef1c v\u00e0o vi\u1ec7c t\u0103ng h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

B\u1ea1n c\u00f3 th\u1ec3 y\u00eau c\u1ea7u t\u0103ng h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng th\u1ee7 c\u00f4ng th\u00f4ng qua d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng tr\u1ef1c tuy\u1ebfn c\u1ee7a UBS ho\u1eb7c \u0111\u1ebfn tr\u1ef1c ti\u1ebfp chi nh\u00e1nh. Vi\u1ec7c cung c\u1ea5p c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh thu nh\u1eadp c\u1eadp nh\u1eadt v\u00e0 ch\u1ee9ng minh kh\u1ea3 n\u0103ng ki\u1ebfm ti\u1ec1n t\u0103ng l\u00ean s\u1ebd gi\u00fap y\u00eau c\u1ea7u t\u0103ng h\u1ea1n m\u1ee9c \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn.<\/p>\n

Nh\u1eefng l\u00fd do th\u01b0\u1eddng g\u1eb7p khi\u1ebfn \u0111\u01a1n xin vi\u1ec7c t\u1ea1i UBS b\u1ecb t\u1eeb ch\u1ed1i<\/h2>\n

C\u00e1c th\u00f4ng tin ti\u00eau c\u1ef1c trong h\u1ec7 th\u1ed1ng ZEK l\u00e0 nguy\u00ean nh\u00e2n ch\u00ednh d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i \u0111\u01a1n xin vay t\u00edn d\u1ee5ng t\u1ea1i Th\u1ee5y S\u0129. C\u00e1c kho\u1ea3n n\u1ee3 ch\u01b0a thanh to\u00e1n, ch\u1eadm tr\u1ea3 ho\u1eb7c ph\u00e1 s\u1ea3n s\u1ebd t\u1ef1 \u0111\u1ed9ng b\u1ecb t\u1eeb ch\u1ed1i b\u1ea5t k\u1ec3 thu nh\u1eadp hi\u1ec7n t\u1ea1i.<\/p>\n

Thu nh\u1eadp kh\u00f4ng \u0111\u1ee7 so v\u1edbi c\u00e1c kho\u1ea3n n\u1ee3 hi\u1ec7n c\u00f3 l\u00e0 nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i ngay c\u1ea3 khi l\u1ecbch s\u1eed t\u00edn d\u1ee5ng t\u1ed1t. Vi\u1ec7c thay \u0111\u1ed5i c\u00f4ng vi\u1ec7c g\u1ea7n \u0111\u00e2y, th\u1eddi gian c\u01b0 tr\u00fa ng\u1eafn ho\u1eb7c m\u00f4 h\u00ecnh vi\u1ec7c l\u00e0m kh\u00f4ng \u1ed5n \u0111\u1ecbnh c\u0169ng g\u00f3p ph\u1ea7n v\u00e0o quy\u1ebft \u0111\u1ecbnh b\u1ecb t\u1eeb ch\u1ed1i.<\/p>\n

X\u00e2y d\u1ef1ng l\u1ecbch s\u1eed t\u00edn d\u1ee5ng t\u1ea1i Th\u1ee5y S\u0129<\/h2>\n

Nh\u1eefng c\u01b0 d\u00e2n m\u1edbi n\u00ean thi\u1ebft l\u1eadp quan h\u1ec7 v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng Th\u1ee5y S\u0129 ngay khi \u0111\u1ebfn n\u01a1i. S\u1eed d\u1ee5ng th\u1ebb ghi n\u1ee3 v\u00e0 duy tr\u00ec s\u1ed1 d\u01b0 t\u00e0i kho\u1ea3n d\u01b0\u01a1ng s\u1ebd t\u1ea1o n\u1ec1n t\u1ea3ng uy t\u00edn t\u00e0i ch\u00ednh v\u1edbi c\u00e1c t\u1ed5 ch\u1ee9c t\u00edn d\u1ee5ng.<\/p>\n

\u0110\u0103ng k\u00fd h\u1ee3p \u0111\u1ed3ng \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng v\u00e0 c\u00e1c t\u00e0i kho\u1ea3n ti\u1ec7n \u00edch d\u01b0\u1edbi t\u00ean c\u1ee7a b\u1ea1n s\u1ebd t\u1ea1o d\u1ef1ng l\u1ecbch s\u1eed thanh to\u00e1n c\u00f3 th\u1ec3 ki\u1ec3m ch\u1ee9ng. Nh\u1eefng cam k\u1ebft t\u00e0i ch\u00ednh nh\u1ecf n\u00e0y ch\u1ee9ng minh \u0111\u1ed9 tin c\u1eady tr\u01b0\u1edbc khi b\u1ea1n ti\u1ebfn t\u1edbi c\u00e1c b\u01b0\u1edbc ti\u1ebfp theo. ph\u00ea duy\u1ec7t th\u1ebb t\u00edn d\u1ee5ng<\/strong> v\u1edbi c\u00e1c ng\u00e2n h\u00e0ng l\u1edbn.<\/p>\n

T\u00ecm hi\u1ec3u v\u1ec1 ph\u00ed th\u1ebb t\u00edn d\u1ee5ng Th\u1ee5y S\u0129<\/h2>\n

UBS t\u00ednh ph\u00ed ph\u00ed h\u00e0ng n\u0103m<\/strong> M\u1ee9c ph\u00ed dao \u0111\u1ed9ng t\u1eeb 60 CHF cho th\u1ebb c\u01a1 b\u1ea3n \u0111\u1ebfn 500 CHF cho c\u00e1c t\u00f9y ch\u1ecdn Platinum cao c\u1ea5p. C\u1ea5u tr\u00fac ph\u00ed thay \u0111\u1ed5i t\u00f9y thu\u1ed9c v\u00e0o quy\u1ec1n l\u1ee3i c\u1ee7a th\u1ebb, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee9c \u0111\u1ed9 h\u00e0o ph\u00f3ng c\u1ee7a ch\u01b0\u01a1ng tr\u00ecnh t\u00edch \u0111i\u1ec3m.<\/p>\n

Ph\u00ed giao d\u1ecbch qu\u1ed1c t\u1ebf th\u01b0\u1eddng dao \u0111\u1ed9ng t\u1eeb 1,51 TP3T \u0111\u1ebfn 2,51 TP3T \u0111\u1ed1i v\u1edbi c\u00e1c giao d\u1ecbch mua h\u00e0ng kh\u00f4ng ph\u1ea3i b\u1eb1ng \u0111\u1ed3ng franc Th\u1ee5y S\u0129. C\u00e1c th\u1ebb t\u00edn d\u1ee5ng cao c\u1ea5p th\u01b0\u1eddng mi\u1ec5n ph\u00ed c\u00e1c kho\u1ea3n ph\u00ed n\u00e0y, khi\u1ebfn ch\u00fang tr\u1edf n\u00ean c\u00f3 gi\u00e1 tr\u1ecb \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi th\u01b0\u1eddng xuy\u00ean \u0111i du l\u1ecbch qu\u1ed1c t\u1ebf v\u00e0 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i sinh s\u1ed1ng t\u1ea1i Th\u1ee5y S\u0129.<\/p>\n

C\u00e1c ph\u01b0\u01a1ng \u00e1n thay th\u1ebf n\u1ebfu b\u1ecb t\u1eeb ch\u1ed1i ban \u0111\u1ea7u<\/h2>\n

H\u00e3y c\u00e2n nh\u1eafc \u0111\u0103ng k\u00fd th\u1ebb tr\u1ea3 tr\u01b0\u1edbc c\u1ee7a UBS nh\u01b0 m\u1ed9t b\u01b0\u1edbc \u0111\u1ec7m \u0111\u1ec3 ti\u1ebfn t\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m t\u00edn d\u1ee5ng. Nh\u1eefng th\u1ebb n\u00e0y kh\u00f4ng y\u00eau c\u1ea7u ki\u1ec3m tra t\u00edn d\u1ee5ng nh\u01b0ng ch\u1ee9ng minh kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd thanh to\u00e1n b\u1eb1ng th\u1ebb m\u1ed9t c\u00e1ch c\u00f3 tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u1ea1n.<\/p>\n

Th\u1ebb t\u00edn d\u1ee5ng c\u00f3 b\u1ea3o \u0111\u1ea3m t\u1eeb c\u00e1c ng\u00e2n h\u00e0ng Th\u1ee5y S\u0129 kh\u00e1c c\u00f3 th\u1ec3 mang l\u1ea1i quy tr\u00ecnh ph\u00ea duy\u1ec7t d\u1ec5 d\u00e0ng h\u01a1n. X\u00e2y d\u1ef1ng l\u1ecbch s\u1eed t\u00edn d\u1ee5ng t\u1ed1t v\u1edbi c\u00e1c nh\u00e0 ph\u00e1t h\u00e0nh kh\u00e1c s\u1ebd c\u1ee7ng c\u1ed1 c\u00e1c \u0111\u01a1n xin vay v\u1ed1n UBS trong t\u01b0\u01a1ng lai sau nh\u1eefng l\u1ea7n th\u1ea5t b\u1ea1i ban \u0111\u1ea7u.<\/p>\n

Duy tr\u00ec uy t\u00edn t\u1ed1t v\u1edbi th\u1ebb t\u00edn d\u1ee5ng UBS.<\/h2>\n

Thi\u1ebft l\u1eadp thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng th\u00f4ng qua t\u00e0i kho\u1ea3n UBS c\u1ee7a b\u1ea1n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o thanh to\u00e1n h\u00e0ng th\u00e1ng \u0111\u00fang h\u1ea1n. T\u1ef1 \u0111\u1ed9ng h\u00f3a thanh to\u00e1n gi\u00fap lo\u1ea1i b\u1ecf sai s\u00f3t do con ng\u01b0\u1eddi v\u00e0 b\u1ea3o v\u1ec7 uy t\u00edn t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n v\u1edbi ng\u00e2n h\u00e0ng.<\/p>\n

Th\u01b0\u1eddng xuy\u00ean theo d\u00f5i ho\u1ea1t \u0111\u1ed9ng t\u00e0i kho\u1ea3n th\u00f4ng qua d\u1ecbch v\u1ee5 ng\u00e2n h\u00e0ng \u0111i\u1ec7n t\u1eed UBS \u0111\u1ec3 ph\u00e1t hi\u1ec7n c\u00e1c kho\u1ea3n ph\u00ed tr\u00e1i ph\u00e9p ho\u1eb7c sai s\u00f3t. Vi\u1ec7c gi\u1ea3i quy\u1ebft tranh ch\u1ea5p nhanh ch\u00f3ng gi\u00fap duy tr\u00ec h\u1ed3 s\u01a1 thanh to\u00e1n minh b\u1ea1ch v\u00e0 th\u1ec3 hi\u1ec7n s\u1ef1 ch\u1ee7 \u0111\u1ed9ng trong qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh v\u1edbi b\u00ean ph\u00e1t h\u00e0nh.<\/p>\n

Ph\u1ea7n k\u1ebft lu\u1eadn<\/h2>\n

\u0110\u1ea3m b\u1ea3o m\u1ed9t Th\u1ebb t\u00edn d\u1ee5ng UBS<\/a> T\u1ea1i Th\u1ee5y S\u0129, \u0111i\u1ec1u n\u00e0y \u0111\u00f2i h\u1ecfi ph\u1ea3i hi\u1ec3u r\u00f5 h\u1ec7 th\u1ed1ng \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng \u0111\u1ed9c \u0111\u00e1o c\u1ee7a Th\u1ee5y S\u0129. Kh\u00f4ng gi\u1ed1ng nh\u01b0 h\u1ec7 th\u1ed1ng t\u00edn d\u1ee5ng c\u1ee7a Hoa K\u1ef3, h\u1ec7 th\u1ed1ng n\u00e0y c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i Hoa K\u1ef3. \u0110i\u1ec3m FICO<\/strong> Theo c\u00e1c m\u00f4 h\u00ecnh n\u00e0y, c\u00e1c ng\u00e2n h\u00e0ng Th\u1ee5y S\u0129 \u01b0u ti\u00ean h\u1ed3 s\u01a1 ZEK s\u1ea1ch, thu nh\u1eadp \u1ed5n \u0111\u1ecbnh v\u00e0 t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa l\u00e2u d\u00e0i khi \u0111\u00e1nh gi\u00e1 \u0111\u01a1n xin vay.<\/p>\n

Th\u00e0nh c\u00f4ng v\u1edbi th\u1ebb t\u00edn d\u1ee5ng UBS ph\u1ee5 thu\u1ed9c v\u00e0o vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 ng\u00e2n h\u00e0ng v\u1eefng ch\u1eafc, duy tr\u00ec h\u1ed3 s\u01a1 t\u00e0i ch\u00ednh minh b\u1ea1ch v\u00e0 ch\u1ee9ng minh thu nh\u1eadp \u1ed5n \u0111\u1ecbnh. B\u1eb1ng c\u00e1ch m\u1edf t\u00e0i kho\u1ea3n s\u1edbm, tr\u00e1nh c\u00e1c th\u00f4ng tin ti\u00eau c\u1ef1c tr\u00ean b\u00e1o c\u00e1o t\u00edn d\u1ee5ng v\u00e0 l\u1ef1a ch\u1ecdn th\u1eddi \u0111i\u1ec3m n\u1ed9p \u0111\u01a1n m\u1ed9t c\u00e1ch chi\u1ebfn l\u01b0\u1ee3c, ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n s\u1ebd c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3 c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn v\u00e0 t\u1ea1o ti\u1ec1n \u0111\u1ec1 \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c quy\u1ec1n l\u1ee3i cao c\u1ea5p tr\u00ean th\u1ebb v\u00e0 h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng cao h\u01a1n theo th\u1eddi gian.<\/p>","protected":false},"excerpt":{"rendered":"

UBS offers premium credit cards in Switzerland with competitive benefits for residents and expatriates. Understanding credit requirements helps applicants position […]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[14],"tags":[],"class_list":["post-721","post","type-post","status-publish","format-standard","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/posts\/721","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/comments?post=721"}],"version-history":[{"count":1,"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/posts\/721\/revisions"}],"predecessor-version":[{"id":730,"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/posts\/721\/revisions\/730"}],"wp:attachment":[{"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/media?parent=721"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/categories?post=721"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/tags?post=721"}],"curies":[{"name":"trang web","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}