{"id":737,"date":"2026-03-12T23:10:33","date_gmt":"2026-03-12T23:10:33","guid":{"rendered":"https:\/\/likapk.com\/commerzbank-credit-card-what-banks-check-before-approving-you\/737\/"},"modified":"2026-03-12T23:10:33","modified_gmt":"2026-03-12T23:10:33","slug":"commerzbank-credit-card-what-banks-check-before-approving-you","status":"publish","type":"post","link":"https:\/\/likapk.com\/vi\/commerzbank-credit-card-what-banks-check-before-approving-you\/737\/","title":{"rendered":"Th\u1ebb t\u00edn d\u1ee5ng Commerzbank: C\u00e1c ng\u00e2n h\u00e0ng ki\u1ec3m tra nh\u1eefng g\u00ec tr\u01b0\u1edbc khi ph\u00ea duy\u1ec7t cho b\u1ea1n"},"content":{"rendered":"

\u0110\u01b0\u1ee3c ch\u1ea5p thu\u1eadn cho m\u1ed9t Th\u1ebb t\u00edn d\u1ee5ng Commerzbank<\/strong> \u0110i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 m\u00e0 ng\u00e2n h\u00e0ng \u0111\u00e1nh gi\u00e1 c\u1ea9n th\u1eadn. Hi\u1ec3u \u0111\u01b0\u1ee3c \u0111i\u1ec1u \u0111\u00f3 l\u00e0 g\u00ec? Commerzbank<\/a> Nh\u1eefng \u0111i\u1ec1u b\u1ea1n t\u00ecm ki\u1ebfm c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3 c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn v\u00e0 gi\u00fap b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u00edn d\u1ee5ng t\u1ed1t h\u01a1n.<\/p>\n

D\u00f9 b\u1ea1n \u0111ang \u0111\u0103ng k\u00fd th\u1ebb t\u00edn d\u1ee5ng l\u1ea7n \u0111\u1ea7u hay b\u1ed5 sung th\u00eam th\u1ebb v\u00e0o v\u00ed, vi\u1ec7c n\u1eafm r\u00f5 ti\u00eau ch\u00ed x\u00e9t duy\u1ec7t r\u1ea5t quan tr\u1ecdng. Commerzbank, gi\u1ed1ng nh\u01b0 h\u1ea7u h\u1ebft c\u00e1c t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh th\u1ebb \u1edf ch\u00e2u \u00c2u, tu\u00e2n th\u1ee7 c\u00e1c quy tr\u00ecnh \u0111\u00e1nh gi\u00e1 nghi\u00eam ng\u1eb7t \u0111\u1ec3 gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u00e0 \u0111\u1ea3m b\u1ea3o c\u00e1c ho\u1ea1t \u0111\u1ed9ng cho vay c\u00f3 tr\u00e1ch nhi\u1ec7m.<\/p>\n

\u0110\u00e1nh gi\u00e1 l\u1ecbch s\u1eed t\u00edn d\u1ee5ng v\u00e0 \u0111i\u1ec3m t\u00edn d\u1ee5ng SCHUFA<\/h2>\n

C\u1ee7a b\u1ea1n \u0110i\u1ec3m SCHUFA<\/strong> \u0110i\u1ec3m t\u00edn d\u1ee5ng \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng nh\u1ea5t trong qu\u00e1 tr\u00ecnh ra quy\u1ebft \u0111\u1ecbnh c\u1ee7a Commerzbank. \u0110i\u1ec3m t\u00edn d\u1ee5ng n\u00e0y ph\u1ea3n \u00e1nh l\u1ecbch s\u1eed thanh to\u00e1n, c\u00e1c kho\u1ea3n n\u1ee3 hi\u1ec7n c\u00f3 v\u00e0 kh\u1ea3 n\u0103ng t\u00edn d\u1ee5ng t\u1ed5ng th\u1ec3 c\u1ee7a b\u1ea1n tr\u00ean m\u1ed9t thang \u0111i\u1ec3m m\u00e0 c\u00e1c ng\u00e2n h\u00e0ng ho\u00e0n to\u00e0n tin t\u01b0\u1edfng.<\/p>\n

Ng\u00e2n h\u00e0ng Commerzbank th\u01b0\u1eddng y\u00eau c\u1ea7u \u0111i\u1ec3m SCHUFA tr\u00ean 95% \u0111\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn th\u1ebb t\u00edn d\u1ee5ng th\u00f4ng th\u01b0\u1eddng. \u0110i\u1ec3m th\u1ea5p h\u01a1n c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn b\u1ecb t\u1eeb ch\u1ed1i ho\u1eb7c y\u00eau c\u1ea7u b\u1ea1n \u0111\u0103ng k\u00fd c\u00e1c l\u1ef1a ch\u1ecdn th\u1ebb t\u00edn d\u1ee5ng c\u00f3 b\u1ea3o \u0111\u1ea3m v\u1edbi y\u00eau c\u1ea7u \u0111\u1eb7t c\u1ecdc.<\/p>\n

X\u00e1c minh thu nh\u1eadp v\u00e0 \u1ed5n \u0111\u1ecbnh vi\u1ec7c l\u00e0m<\/h2>\n

Vi\u1ec7c ch\u1ee9ng minh thu nh\u1eadp \u1ed5n \u0111\u1ecbnh l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft. ph\u00ea duy\u1ec7t th\u1ebb t\u00edn d\u1ee5ng<\/strong>. Ng\u00e2n h\u00e0ng Commerzbank y\u00eau c\u1ea7u b\u1eb1ng ch\u1ee9ng v\u1ec1 thu nh\u1eadp th\u01b0\u1eddng xuy\u00ean, th\u00f4ng th\u01b0\u1eddng l\u00e0 th\u00f4ng qua phi\u1ebfu l\u01b0\u01a1ng g\u1ea7n \u0111\u00e2y, h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng ho\u1eb7c t\u1edd khai thu\u1ebf \u0111\u1ed1i v\u1edbi nh\u1eefng ng\u01b0\u1eddi t\u1ef1 kinh doanh.<\/p>\n

T\u00ednh \u1ed5n \u0111\u1ecbnh vi\u1ec7c l\u00e0m r\u1ea5t quan tr\u1ecdng. Ng\u00e2n h\u00e0ng \u01b0u ti\u00ean nh\u1eefng \u1ee9ng vi\u00ean c\u00f3 \u00edt nh\u1ea5t s\u00e1u th\u00e1ng kinh nghi\u1ec7m l\u00e0m vi\u1ec7c t\u1ea1i c\u00f4ng ty hi\u1ec7n t\u1ea1i, tuy nhi\u00ean th\u1eddi gian l\u00e0m vi\u1ec7c c\u00e0ng l\u00e2u th\u00ec h\u1ed3 s\u01a1 xin vi\u1ec7c c\u00e0ng \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 cao v\u00e0 c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n \u0111\u01b0\u1ee3c c\u1ea5p h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng cao h\u01a1n.<\/p>\n

\u0110\u00e1nh gi\u00e1 t\u1ef7 l\u1ec7 n\u1ee3 tr\u00ean thu nh\u1eadp<\/h2>\n

C\u1ee7a b\u1ea1n t\u1ef7 l\u1ec7 n\u1ee3 tr\u00ean thu nh\u1eadp<\/strong> Th\u00f4ng tin n\u00e0y cho bi\u1ebft bao nhi\u00eau ph\u1ea7n tr\u0103m thu nh\u1eadp h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c d\u00f9ng \u0111\u1ec3 tr\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 hi\u1ec7n c\u00f3. Commerzbank t\u00ednh to\u00e1n \u0111i\u1ec1u n\u00e0y b\u1eb1ng c\u00e1ch chia t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea1n tr\u1ea3 cho c\u00e1c kho\u1ea3n n\u1ee3 h\u00e0ng th\u00e1ng cho t\u1ed5ng thu nh\u1eadp h\u00e0ng th\u00e1ng c\u1ee7a b\u1ea1n.<\/p>\n

T\u1ef7 l\u1ec7 d\u01b0\u1edbi 40% th\u01b0\u1eddng thu\u1eadn l\u1ee3i cho vi\u1ec7c ph\u00ea duy\u1ec7t. T\u1ef7 l\u1ec7 cao h\u01a1n cho th\u1ea5y t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh kh\u00f3 kh\u0103n v\u00e0 c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng th\u1ea5p h\u01a1n ho\u1eb7c b\u1ecb t\u1eeb ch\u1ed1i ho\u00e0n to\u00e0n, \u0111\u1eb7c bi\u1ec7t khi k\u1ebft h\u1ee3p v\u1edbi \u0111i\u1ec3m t\u00edn d\u1ee5ng th\u1ea5p.<\/p>\n

Y\u00eau c\u1ea7u v\u1ec1 \u0111\u1ed9 tu\u1ed5i v\u00e0 n\u01a1i c\u01b0 tr\u00fa<\/h2>\n

Ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n ph\u1ea3i \u00edt nh\u1ea5t 18 tu\u1ed5i v\u00e0 c\u00f3 gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa t\u1ea1i \u0110\u1ee9c. Commerzbank y\u00eau c\u1ea7u \u0111\u1ecba ch\u1ec9 \u0111\u0103ng k\u00fd t\u1ea1i \u0110\u1ee9c v\u00e0 th\u01b0\u1eddng y\u00eau c\u1ea7u c\u00e1c gi\u1ea5y t\u1edd ch\u1ee9ng minh t\u00ecnh tr\u1ea1ng c\u01b0 tr\u00fa \u1ed5n \u0111\u1ecbnh c\u1ee7a b\u1ea1n.<\/p>\n

Vi\u1ec7c c\u01b0 tr\u00fa l\u00e2u d\u00e0i s\u1ebd gi\u00fap h\u1ed3 s\u01a1 xin th\u1ecb th\u1ef1c c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c c\u1ee7ng c\u1ed1 \u0111\u00e1ng k\u1ec3. Ng\u01b0\u1eddi m\u1edbi \u0111\u1ebfn c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3i qua qu\u00e1 tr\u00ecnh ki\u1ec3m tra b\u1ed5 sung ho\u1eb7c c\u1ea7n cung c\u1ea5p nhi\u1ec1u gi\u1ea5y t\u1edd h\u01a1n, bao g\u1ed3m gi\u1ea5y ph\u00e9p c\u01b0 tr\u00fa v\u00e0 b\u1eb1ng ch\u1ee9ng v\u1ec1 m\u1ed1i li\u00ean h\u1ec7 v\u1edbi \u0111\u1ecba ph\u01b0\u01a1ng.<\/p>\n

Quan h\u1ec7 ng\u00e2n h\u00e0ng hi\u1ec7n c\u00f3 v\u1edbi Commerzbank<\/h2>\n

C\u00f3 m\u1ed1i quan h\u1ec7 \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp v\u1edbi Commerzbank<\/a> \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n t\u1ef7 l\u1ec7 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn. Ch\u1ee7 t\u00e0i kho\u1ea3n hi\u1ec7n t\u1ea1i c\u00f3 l\u1ecbch s\u1eed giao d\u1ecbch t\u1ed1t th\u01b0\u1eddng nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 \u01b0u ti\u00ean trong qu\u00e1 tr\u00ecnh x\u00e9t duy\u1ec7t h\u1ed3 s\u01a1.<\/p>\n

Vi\u1ec7c g\u1eedi ti\u1ec1n \u0111\u1ec1u \u0111\u1eb7n, th\u00f3i quen ti\u1ebft ki\u1ec7m nh\u1ea5t qu\u00e1n v\u00e0 qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n c\u00f3 tr\u00e1ch nhi\u1ec7m th\u1ec3 hi\u1ec7n s\u1ef1 \u0111\u00e1ng tin c\u1eady v\u1ec1 t\u00e0i ch\u00ednh. Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y c\u00f3 th\u1ec3 b\u00f9 \u0111\u1eafp cho nh\u1eefng \u0111i\u1ec3m y\u1ebfu nh\u1ecf trong c\u00e1c l\u0129nh v\u1ef1c kh\u00e1c c\u1ee7a h\u1ed3 s\u01a1 xin vi\u1ec7c c\u1ee7a b\u1ea1n.<\/p>\n

T\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng tr\u00ean c\u00e1c th\u1ebb t\u00edn d\u1ee5ng hi\u1ec7n c\u00f3<\/h2>\n

N\u1ebfu b\u1ea1n \u0111\u00e3 c\u00f3 th\u1ebb t\u00edn d\u1ee5ng, s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng<\/strong> \u0110i\u1ec1u n\u00e0y v\u00f4 c\u00f9ng quan tr\u1ecdng. Commerzbank xem x\u00e9t m\u1ee9c \u0111\u1ed9 s\u1eed d\u1ee5ng h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng kh\u1ea3 d\u1ee5ng hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n tr\u00ean t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i kho\u1ea3n v\u00e0 h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng quay v\u00f2ng.<\/p>\n

Duy tr\u00ec t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng d\u01b0\u1edbi 30% cho th\u1ea5y b\u1ea1n \u0111ang qu\u1ea3n l\u00fd t\u00edn d\u1ee5ng m\u1ed9t c\u00e1ch c\u00f3 tr\u00e1ch nhi\u1ec7m. T\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng cao h\u01a1n cho th\u1ea5y \u00e1p l\u1ef1c t\u00e0i ch\u00ednh, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 g\u00e2y lo ng\u1ea1i v\u1ec1 kh\u1ea3 n\u0103ng b\u1ea1n s\u1eed d\u1ee5ng th\u00eam t\u00edn d\u1ee5ng m\u1ed9t c\u00e1ch c\u00f3 tr\u00e1ch nhi\u1ec7m m\u00e0 kh\u00f4ng t\u00edch l\u0169y n\u1ee3.<\/p>\n

C\u00e1c y\u00eau c\u1ea7u v\u00e0 \u0111\u01a1n xin t\u00edn d\u1ee5ng g\u1ea7n \u0111\u00e2y<\/h2>\n

Nhi\u1ec1u th\u00f4ng tin g\u1ea7n \u0111\u00e2y \u0111\u01a1n xin t\u00edn d\u1ee5ng<\/strong> Vi\u1ec7c n\u00e0y c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn c\u1ee7a b\u1ea1n. M\u1ed7i \u0111\u01a1n \u0111\u0103ng k\u00fd s\u1ebd t\u1ea1o ra m\u1ed9t y\u00eau c\u1ea7u ki\u1ec3m tra l\u00fd l\u1ecbch SCHUFA, v\u00e0 qu\u00e1 nhi\u1ec1u y\u00eau c\u1ea7u ki\u1ec3m tra trong m\u1ed9t th\u1eddi gian ng\u1eafn s\u1ebd g\u00e2y ra nghi ng\u1edd.<\/p>\n

Commerzbank cho r\u1eb1ng vi\u1ec7c n\u1ed9p \u0111\u01a1n vay t\u00edn d\u1ee5ng th\u01b0\u1eddng xuy\u00ean l\u00e0 d\u1ea5u hi\u1ec7u c\u1ee7a s\u1ef1 tuy\u1ec7t v\u1ecdng c\u1ea7n t\u00edn d\u1ee5ng ho\u1eb7c k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh k\u00e9m. T\u1ed1t nh\u1ea5t n\u00ean gi\u00e3n c\u00e1ch th\u1eddi gian gi\u1eefa c\u00e1c l\u1ea7n n\u1ed9p \u0111\u01a1n vay \u00edt nh\u1ea5t t\u1eeb ba \u0111\u1ebfn s\u00e1u th\u00e1ng \u0111\u1ec3 tr\u00e1nh t\u00edn hi\u1ec7u ti\u00eau c\u1ef1c n\u00e0y.<\/p>\n

L\u1ecbch s\u1eed thanh to\u00e1n tr\u00ean t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i kho\u1ea3n<\/h2>\n

Th\u00e0nh t\u00edch c\u1ee7a b\u1ea1n thanh to\u00e1n \u0111\u00fang h\u1ea1n<\/strong> C\u00e1c kho\u1ea3n vay, ti\u1ec1n \u0111i\u1ec7n n\u01b0\u1edbc, ti\u1ec1n thu\u00ea nh\u00e0 v\u00e0 th\u1ebb t\u00edn d\u1ee5ng hi\u1ec7n c\u00f3 \u1ea3nh h\u01b0\u1edfng r\u1ea5t l\u1edbn \u0111\u1ebfn quy\u1ebft \u0111\u1ecbnh ph\u00ea duy\u1ec7t. Ngay c\u1ea3 m\u1ed9t l\u1ea7n thanh to\u00e1n ch\u1eadm c\u0169ng c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c \u0111\u1ebfn \u0111i\u1ec3m SCHUFA c\u1ee7a b\u1ea1n.<\/p>\n

Commerzbank coi tr\u1ecdng s\u1ef1 nh\u1ea5t qu\u00e1n h\u01a1n t\u1ea5t c\u1ea3. Nh\u1eefng ng\u01b0\u1eddi c\u00f3 l\u1ecbch s\u1eed thanh to\u00e1n ho\u00e0n h\u1ea3o trong th\u1eddi gian d\u00e0i s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u01b0u \u0111\u00e3i nh\u1ea5t, bao g\u1ed3m l\u00e3i su\u1ea5t th\u1ea5p h\u01a1n v\u00e0 h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng ban \u0111\u1ea7u cao h\u01a1n khi \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn.<\/p>\n

Ph\u00ed th\u01b0\u1eddng ni\u00ean v\u00e0 lo\u1ea1i th\u1ebb c\u1ea7n c\u00e2n nh\u1eafc<\/h2>\n

C\u00e1c lo\u1ea1i th\u1ebb t\u00edn d\u1ee5ng Commerzbank kh\u00e1c nhau c\u00f3 ti\u00eau chu\u1ea9n x\u00e9t duy\u1ec7t kh\u00e1c nhau. Th\u1ebb cao c\u1ea5p c\u00f3 ti\u00eau chu\u1ea9n x\u00e9t duy\u1ec7t cao h\u01a1n. ph\u00ed h\u00e0ng n\u0103m<\/strong> Th\u00f4ng th\u01b0\u1eddng, nh\u1eefng ng\u01b0\u1eddi n\u00e0y c\u1ea7n c\u00f3 h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng t\u1ed1t h\u01a1n, m\u1ee9c thu nh\u1eadp cao h\u01a1n v\u00e0 m\u1ed1i quan h\u1ec7 ng\u00e2n h\u00e0ng v\u1eefng ch\u1eafc h\u01a1n v\u1edbi t\u1ed5 ch\u1ee9c \u0111\u00f3.<\/p>\n

C\u00e1c lo\u1ea1i th\u1ebb t\u00edn d\u1ee5ng th\u00f4ng th\u01b0\u1eddng kh\u00f4ng c\u00f3 ph\u00ed th\u01b0\u1eddng ni\u00ean th\u01b0\u1eddng c\u00f3 ti\u00eau ch\u00ed x\u00e9t duy\u1ec7t d\u1ec5 d\u00e0ng h\u01a1n. Tuy nhi\u00ean, ch\u00fang th\u01b0\u1eddng c\u00f3 h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng ban \u0111\u1ea7u th\u1ea5p h\u01a1n, nh\u01b0ng b\u1ea1n c\u00f3 th\u1ec3 t\u0103ng h\u1ea1n m\u1ee9c n\u00e0y theo th\u1eddi gian th\u00f4ng qua vi\u1ec7c s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng m\u1ed9t c\u00e1ch c\u00f3 tr\u00e1ch nhi\u1ec7m.<\/p>\n

L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u0103ng c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn<\/h2>\n

Tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n, h\u00e3y y\u00eau c\u1ea7u b\u00e1o c\u00e1o SCHUFA c\u1ee7a b\u1ea1n \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh v\u00e0 s\u1eeda ch\u1eefa b\u1ea5t k\u1ef3 l\u1ed7i n\u00e0o. Th\u00f4ng tin kh\u00f4ng ch\u00ednh x\u00e1c c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng x\u1ea5u \u0111\u1ebfn \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n v\u00e0 d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ecb Commerzbank ho\u1eb7c c\u00e1c t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh kh\u00e1c t\u1eeb ch\u1ed1i kh\u00f4ng c\u1ea7n thi\u1ebft.<\/p>\n

H\u00e3y tr\u1ea3 b\u1edbt c\u00e1c kho\u1ea3n n\u1ee3 hi\u1ec7n c\u00f3 \u0111\u1ec3 gi\u1ea3m t\u1ef7 l\u1ec7 n\u1ee3 tr\u00ean thu nh\u1eadp. Ngay c\u1ea3 nh\u1eefng kho\u1ea3n gi\u1ea3m nh\u1ecf c\u0169ng c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn t\u00edn d\u1ee5ng t\u1ed1t h\u01a1n v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u00edn d\u1ee5ng \u01b0u \u0111\u00e3i h\u01a1n.<\/p>\n

X\u00e2y d\u1ef1ng l\u1ecbch s\u1eed t\u00edn d\u1ee5ng cho c\u00e1c \u0111\u01a1n xin nh\u1eadp h\u1ecdc trong t\u01b0\u01a1ng lai<\/h2>\n

N\u1ebfu h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n kh\u00f4ng \u0111\u00e1p \u1ee9ng ti\u00eau chu\u1ea9n c\u1ee7a Commerzbank, h\u00e3y t\u1eadp trung x\u00e2y d\u1ef1ng n\u1ec1n t\u1ea3ng t\u00edn d\u1ee5ng v\u1eefng ch\u1eafc h\u01a1n. M\u1edf m\u1ed9t t\u00e0i kho\u1ea3n s\u00e9c c\u01a1 b\u1ea3n v\u00e0 duy tr\u00ec n\u00f3 m\u1ed9t c\u00e1ch c\u00f3 tr\u00e1ch nhi\u1ec7m v\u1edbi c\u00e1c kho\u1ea3n ti\u1ec1n g\u1eedi th\u01b0\u1eddng xuy\u00ean v\u00e0 kh\u00f4ng th\u1ea5u chi.<\/p>\n

H\u00e3y c\u00e2n nh\u1eafc c\u00e1c l\u1ef1a ch\u1ecdn t\u00edn d\u1ee5ng c\u00f3 b\u1ea3o \u0111\u1ea3m ho\u1eb7c th\u1ebb t\u00edn d\u1ee5ng kh\u1edfi \u0111\u1ea7u t\u1eeb c\u00e1c t\u1ed5 ch\u1ee9c ph\u00e1t h\u00e0nh kh\u00e1c. X\u00e2y d\u1ef1ng l\u1ecbch s\u1eed thanh to\u00e1n t\u00edch c\u1ef1c trong v\u00f2ng s\u00e1u \u0111\u1ebfn m\u01b0\u1eddi hai th\u00e1ng s\u1ebd c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3 \u0111i\u1ec3m SCHUFA v\u00e0 tri\u1ec3n v\u1ecdng \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn trong t\u01b0\u01a1ng lai c\u1ee7a b\u1ea1n.<\/p>\n

\u0110i\u1ec1u g\u00ec s\u1ebd x\u1ea3y ra sau khi b\u1ea1n n\u1ed9p \u0111\u01a1n?<\/h2>\n

Ng\u00e2n h\u00e0ng Commerzbank th\u01b0\u1eddng x\u1eed l\u00fd h\u1ed3 s\u01a1 trong v\u00f2ng v\u00e0i ng\u00e0y l\u00e0m vi\u1ec7c. B\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng b\u00e1o ch\u1ea5p thu\u1eadn, t\u1eeb ch\u1ed1i ho\u1eb7c y\u00eau c\u1ea7u b\u1ed5 sung t\u00e0i li\u1ec7u t\u00f9y thu\u1ed9c v\u00e0o m\u1ee9c \u0111\u1ed9 \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a h\u1ed3 s\u01a1 ban \u0111\u1ea7u b\u1ea1n n\u1ed9p.<\/p>\n

N\u1ebfu \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn, kho\u1ea3n ban \u0111\u1ea7u c\u1ee7a b\u1ea1n s\u1ebd l\u00e0... gi\u1edbi h\u1ea1n t\u00edn d\u1ee5ng<\/strong> \u0110i\u1ec1u n\u00e0y ph\u1ea3n \u00e1nh \u0111\u00e1nh gi\u00e1 r\u1ee7i ro c\u1ee7a ng\u00e2n h\u00e0ng. H\u1ea1n m\u1ee9c ban \u0111\u1ea7u \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp \u1edf m\u1ee9c th\u1eadn tr\u1ecdng nh\u01b0ng c\u00f3 th\u1ec3 t\u0103ng \u0111\u00e1ng k\u1ec3 th\u00f4ng qua vi\u1ec7c thanh to\u00e1n \u0111\u00fang h\u1ea1n, s\u1eed d\u1ee5ng h\u1ea1n m\u1ee9c th\u1ea5p v\u00e0 ho\u1ea1t \u0111\u1ed9ng t\u00e0i kho\u1ea3n th\u01b0\u1eddng xuy\u00ean.<\/p>\n

Hi\u1ec3u v\u1ec1 vi\u1ec7c t\u0103ng h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng<\/h2>\n

Sau s\u00e1u th\u00e1ng s\u1eed d\u1ee5ng th\u1ebb m\u1ed9t c\u00e1ch c\u00f3 tr\u00e1ch nhi\u1ec7m, b\u1ea1n s\u1ebd \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 y\u00eau c\u1ea7u... t\u0103ng h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng<\/strong>. Commerzbank \u0111\u00e1nh gi\u00e1 c\u00e1c y\u00eau c\u1ea7u n\u00e0y d\u1ef1a tr\u00ean l\u1ecbch s\u1eed thanh to\u00e1n, m\u00f4 h\u00ecnh s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng v\u00e0 b\u1ea5t k\u1ef3 thay \u0111\u1ed5i n\u00e0o trong thu nh\u1eadp c\u1ee7a b\u1ea1n.<\/p>\n

H\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u0103ng t\u1ef1 \u0111\u1ed9ng h\u00e0ng n\u0103m n\u1ebfu b\u1ea1n duy tr\u00ec th\u00f3i quen thanh to\u00e1n t\u1ed1t. Ng\u00e2n h\u00e0ng s\u1ebd th\u01b0\u1edfng cho nh\u1eefng ch\u1ee7 th\u1ebb c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1eb1ng c\u00e1ch t\u0103ng h\u1ea1n m\u1ee9c d\u1ea7n d\u1ea7n, gi\u1ea3m nhu c\u1ea7u y\u00eau c\u1ea7u t\u0103ng h\u1ea1n m\u1ee9c ch\u00ednh th\u1ee9c theo th\u1eddi gian.<\/p>\n

Nh\u1eefng l\u00fd do ph\u1ed5 bi\u1ebfn d\u1eabn \u0111\u1ebfn b\u1ecb t\u1eeb ch\u1ed1i<\/h2>\n

\u0110i\u1ec3m SCHUFA th\u1ea5p l\u00e0 l\u00fd do b\u1ecb t\u1eeb ch\u1ed1i th\u01b0\u1eddng g\u1eb7p nh\u1ea5t. \u0110i\u1ec3m d\u01b0\u1edbi 90% th\u01b0\u1eddng d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i t\u1ef1 \u0111\u1ed9ng tr\u1eeb khi b\u1ea1n \u0111\u0103ng k\u00fd c\u00e1c lo\u1ea1i th\u1ebb t\u00edn d\u1ee5ng c\u00f3 b\u1ea3o \u0111\u1ea3m y\u00eau c\u1ea7u \u0111\u1eb7t c\u1ecdc.<\/p>\n

Thu nh\u1eadp kh\u00f4ng \u0111\u1ee7 so v\u1edbi kho\u1ea3n n\u1ee3 hi\u1ec7n c\u00f3 c\u0169ng l\u00e0 l\u00fd do b\u1ecb t\u1eeb ch\u1ed1i. Commerzbank c\u1ea7n x\u00e1c minh r\u1eb1ng b\u1ea1n c\u00f3 th\u1ec3 qu\u1ea3n l\u00fd th\u00eam t\u00edn d\u1ee5ng m\u00e0 kh\u00f4ng g\u00e2y \u00e1p l\u1ef1c t\u00e0i ch\u00ednh, b\u1ea3o v\u1ec7 c\u1ea3 hai b\u00ean kh\u1ecfi t\u00ecnh tr\u1ea1ng t\u00edch l\u0169y n\u1ee3 kh\u00f4ng b\u1ec1n v\u1eefng.<\/p>\n

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

N\u1ebfu Commerzbank t\u1eeb ch\u1ed1i \u0111\u01a1n \u0111\u0103ng k\u00fd c\u1ee7a b\u1ea1n, h\u00e3y xem x\u00e9t c\u00e1c l\u1ef1a ch\u1ecdn th\u1ebb t\u00edn d\u1ee5ng c\u00f3 b\u1ea3o \u0111\u1ea3m c\u1ee7a h\u1ecd. Lo\u1ea1i th\u1ebb n\u00e0y y\u00eau c\u1ea7u m\u1ed9t kho\u1ea3n ti\u1ec1n \u0111\u1eb7t c\u1ecdc \u0111\u00f3ng vai tr\u00f2 l\u00e0 h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng, cho ph\u00e9p b\u1ea1n x\u00e2y d\u1ef1ng l\u1ecbch s\u1eed thanh to\u00e1n t\u1ed1t.<\/p>\n

Ngo\u00e0i ra, b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 d\u00e0nh v\u00e0i th\u00e1ng \u0111\u1ec3 c\u1ea3i thi\u1ec7n h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng c\u1ee7a m\u00ecnh tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n l\u1ea1i. H\u00e3y kh\u1eafc ph\u1ee5c nh\u1eefng \u0111i\u1ec3m y\u1ebfu c\u1ee5 th\u1ec3 \u0111\u01b0\u1ee3c n\u00eau trong th\u00f4ng b\u00e1o t\u1eeb ch\u1ed1i, cho d\u00f9 \u0111\u00f3 l\u00e0 gi\u1ea5y t\u1edd ch\u1ee9ng minh thu nh\u1eadp, m\u1ee9c n\u1ee3 hi\u1ec7n c\u00f3 hay v\u1ea5n \u0111\u1ec1 v\u1ec1 \u0111i\u1ec3m t\u00edn d\u1ee5ng.<\/p>\n

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

Hi\u1ec3u \u0111\u01b0\u1ee3c \u0111i\u1ec1u g\u00ec Commerzbank<\/strong> Vi\u1ec7c \u0111\u00e1nh gi\u00e1 t\u00edn d\u1ee5ng trong qu\u00e1 tr\u00ecnh x\u00e9t duy\u1ec7t th\u1ebb t\u00edn d\u1ee5ng gi\u00fap b\u1ea1n chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 m\u1ea1nh m\u1ebd h\u01a1n. H\u00e3y t\u1eadp trung v\u00e0o vi\u1ec7c duy tr\u00ec \u0111i\u1ec3m t\u00edn d\u1ee5ng SCHUFA xu\u1ea5t s\u1eafc th\u00f4ng qua vi\u1ec7c thanh to\u00e1n \u0111\u00fang h\u1ea1n, gi\u1eef t\u1ef7 l\u1ec7 n\u1ee3 tr\u00ean thu nh\u1eadp th\u1ea5p v\u00e0 ch\u1ee9ng minh vi\u1ec7c l\u00e0m v\u00e0 thu nh\u1eadp \u1ed5n \u0111\u1ecbnh. X\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 ng\u00e2n h\u00e0ng v\u1edbi Commerzbank tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n h\u01a1n n\u1eefa c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn v\u00e0 ti\u1ebfp c\u1eadn c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u00edn d\u1ee5ng t\u1ed1t h\u01a1n. N\u1ebfu h\u1ed3 s\u01a1 hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n kh\u00f4ng \u0111\u00e1p \u1ee9ng ti\u00eau chu\u1ea9n c\u1ee7a h\u1ecd, h\u00e3y d\u00e0nh th\u1eddi gian \u0111\u1ec3 c\u1ee7ng c\u1ed1 n\u1ec1n t\u1ea3ng t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n th\u00f4ng qua h\u00e0nh vi t\u00e0i ch\u00ednh c\u00f3 tr\u00e1ch nhi\u1ec7m v\u00e0 xem x\u00e9t c\u00e1c l\u1ef1a ch\u1ecdn th\u1ebb t\u00edn d\u1ee5ng c\u00f3 b\u1ea3o \u0111\u1ea3m 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 truy\u1ec1n th\u1ed1ng.<\/p>","protected":false},"excerpt":{"rendered":"

Getting approved for a Commerzbank credit card depends on multiple factors that the bank evaluates carefully. Understanding what Commerzbank looks […]<\/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-737","post","type-post","status-publish","format-standard","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/posts\/737","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=737"}],"version-history":[{"count":0,"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/posts\/737\/revisions"}],"wp:attachment":[{"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/media?parent=737"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/categories?post=737"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/tags?post=737"}],"curies":[{"name":"trang web","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}