{"id":739,"date":"2026-03-12T23:12:08","date_gmt":"2026-03-12T23:12:08","guid":{"rendered":"https:\/\/likapk.com\/ing-credit-card-requirements-and-approval-secrets-explained\/739\/"},"modified":"2026-03-12T23:12:08","modified_gmt":"2026-03-12T23:12:08","slug":"ing-credit-card-requirements-and-approval-secrets-explained","status":"publish","type":"post","link":"https:\/\/likapk.com\/vi\/ing-credit-card-requirements-and-approval-secrets-explained\/739\/","title":{"rendered":"Th\u1ebb t\u00edn d\u1ee5ng ING: C\u00e1c y\u00eau c\u1ea7u v\u00e0 b\u00ed quy\u1ebft \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch"},"content":{"rendered":"

Th\u1ebb t\u00edn d\u1ee5ng ING cung c\u1ea5p c\u00e1c ph\u1ea7n th\u01b0\u1edfng c\u1ea1nh tranh v\u00e0 c\u00e1c t\u00f9y ch\u1ecdn thanh to\u00e1n linh ho\u1ea1t ph\u00f9 h\u1ee3p v\u1edbi nhi\u1ec1u th\u00f3i quen chi ti\u00eau kh\u00e1c nhau. Hi\u1ec3u r\u00f5 c\u00e1c y\u00eau c\u1ea7u ph\u00ea duy\u1ec7t gi\u00fap ng\u01b0\u1eddi \u0111\u0103ng k\u00fd c\u00f3 v\u1ecb th\u1ebf chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn v\u00e0 t\u1ed1i \u0111a h\u00f3a h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng ngay t\u1eeb \u0111\u1ea7u.<\/p>\n

H\u01b0\u1edbng d\u1eabn to\u00e0n di\u1ec7n n\u00e0y s\u1ebd ti\u1ebft l\u1ed9 nh\u1eefng g\u00ec ING t\u00ecm ki\u1ebfm \u1edf ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n v\u00e0 c\u00e1c chi\u1ebfn l\u01b0\u1ee3c thi\u1ebft th\u1ef1c \u0111\u1ec3 t\u0103ng kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn. Ch\u00fang ta s\u1ebd c\u00f9ng t\u00ecm hi\u1ec3u v\u1ec1 k\u1ef3 v\u1ecdng \u0111i\u1ec3m t\u00edn d\u1ee5ng, quy tr\u00ecnh x\u00e1c minh thu nh\u1eadp v\u00e0 c\u00e1ch t\u1eadn d\u1ee5ng hi\u1ec7u qu\u1ea3 h\u1ed3 s\u01a1 t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n.<\/p>\n

Hi\u1ec3u r\u00f5 c\u00e1c y\u00eau c\u1ea7u v\u1ec1 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c c\u1ea5p th\u1ebb t\u00edn d\u1ee5ng ING<\/h2>\n

ING \u0111\u00e1nh gi\u00e1 nhi\u1ec1u y\u1ebfu t\u1ed1 khi xem x\u00e9t h\u1ed3 s\u01a1. \u0111\u01a1n xin th\u1ebb t\u00edn d\u1ee5ng<\/a>, Bao g\u1ed3m l\u1ecbch s\u1eed t\u00edn d\u1ee5ng, s\u1ef1 \u1ed5n \u0111\u1ecbnh thu nh\u1eadp v\u00e0 c\u00e1c ngh\u0129a v\u1ee5 n\u1ee3 hi\u1ec7n c\u00f3. Ng\u00e2n h\u00e0ng \u01b0u ti\u00ean nh\u1eefng ng\u01b0\u1eddi vay c\u00f3 tr\u00e1ch nhi\u1ec7m, th\u1ec3 hi\u1ec7n kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh nh\u1ea5t qu\u00e1n v\u00e0 h\u00e0nh vi thanh to\u00e1n \u0111\u00e1ng tin c\u1eady theo th\u1eddi gian.<\/p>\n

\u0110i\u1ec3m t\u00edn d\u1ee5ng t\u1ed1i thi\u1ec3u th\u01b0\u1eddng dao \u0111\u1ed9ng t\u1eeb 650 \u0111\u1ebfn 700 \u0111\u1ed1i v\u1edbi c\u00e1c lo\u1ea1i th\u1ebb t\u00edn d\u1ee5ng th\u00f4ng th\u01b0\u1eddng, trong khi c\u00e1c s\u1ea3n ph\u1ea9m cao c\u1ea5p y\u00eau c\u1ea7u \u0111i\u1ec3m t\u00edn d\u1ee5ng xu\u1ea5t s\u1eafc. \u0110i\u1ec3m FICO c\u1ee7a b\u1ea1n ch\u1ec9 l\u00e0 m\u1ed9t ph\u1ea7n trong \u0111\u00e1nh gi\u00e1 to\u00e0n di\u1ec7n bao g\u1ed3m x\u00e1c minh vi\u1ec7c l\u00e0m v\u00e0 t\u00ednh to\u00e1n t\u1ef7 l\u1ec7 n\u1ee3 tr\u00ean thu nh\u1eadp.<\/p>\n

\u1ea2nh h\u01b0\u1edfng c\u1ee7a \u0111i\u1ec3m t\u00edn d\u1ee5ng \u0111\u1ebfn vi\u1ec7c ph\u00ea duy\u1ec7t th\u1ebb ING<\/h2>\n

\u0110i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn quy\u1ebft \u0111\u1ecbnh ph\u00ea duy\u1ec7t v\u00e0 x\u00e1c \u0111\u1ecbnh h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng ban \u0111\u1ea7u c\u1ee7a b\u1ea1n v\u1edbi ING. Nh\u1eefng ng\u01b0\u1eddi c\u00f3 \u0111i\u1ec3m t\u00edn d\u1ee5ng xu\u1ea5t s\u1eafc tr\u00ean 750 th\u01b0\u1eddng \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t ngay l\u1eadp t\u1ee9c v\u1edbi h\u1ea1n m\u1ee9c cao h\u01a1n v\u00e0 m\u1ee9c l\u00e3i su\u1ea5t h\u00e0ng n\u0103m t\u1ed1t h\u01a1n.<\/p>\n

Nh\u1eefng ng\u01b0\u1eddi c\u00f3 \u0111i\u1ec3m t\u00edn d\u1ee5ng t\u1ed1t t\u1eeb 670 \u0111\u1ebfn 749 s\u1ebd \u0111\u01b0\u1ee3c xem x\u00e9t \u1edf m\u1ee9c \u0111\u1ed9 v\u1eeba ph\u1ea3i nh\u01b0ng nh\u00ecn chung \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n cho h\u1ea7u h\u1ebft c\u00e1c s\u1ea3n ph\u1ea9m th\u1ebb t\u00edn d\u1ee5ng. Nh\u1eefng ng\u01b0\u1eddi c\u00f3 \u0111i\u1ec3m t\u00edn d\u1ee5ng trung b\u00ecnh d\u01b0\u1edbi 670 c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3i qua th\u1eddi gian xem x\u00e9t l\u00e2u h\u01a1n ho\u1eb7c c\u1ea7n cung c\u1ea5p th\u00eam t\u00e0i li\u1ec7u ch\u1ee9ng minh thu nh\u1eadp \u0111\u1ec3 \u0111\u01b0\u1ee3c xem x\u00e9t ch\u1ea5p thu\u1eadn.<\/p>\n

Y\u00eau c\u1ea7u x\u00e1c minh thu nh\u1eadp v\u00e0 gi\u1ea5y t\u1edd<\/h2>\n

ING y\u00eau c\u1ea7u c\u00e1c t\u00e0i li\u1ec7u ch\u1ee9ng minh thu nh\u1eadp \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 v\u00e0 x\u00e1c \u0111\u1ecbnh h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng ph\u00f9 h\u1ee3p. C\u00e1c b\u1eb1ng ch\u1ee9ng \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn bao g\u1ed3m phi\u1ebfu l\u01b0\u01a1ng g\u1ea7n \u0111\u00e2y, t\u1edd khai thu\u1ebf, sao k\u00ea ng\u00e2n h\u00e0ng ho\u1eb7c th\u01b0 x\u00e1c nh\u1eadn vi\u1ec7c l\u00e0m ch\u00ednh th\u1ee9c th\u1ec3 hi\u1ec7n thu nh\u1eadp \u1ed5n \u0111\u1ecbnh.<\/p>\n

C\u00e1c \u1ee9ng vi\u00ean t\u1ef1 kinh doanh ph\u1ea3i cung c\u1ea5p th\u00eam c\u00e1c t\u00e0i li\u1ec7u nh\u01b0 b\u00e1o c\u00e1o l\u00e3i l\u1ed7 ho\u1eb7c sao k\u00ea t\u00e0i kho\u1ea3n ng\u00e2n h\u00e0ng kinh doanh. 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 c\u00e1c kho\u1ea3n n\u1ee3 t\u00edn d\u1ee5ng h\u00e0ng th\u00e1ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 43% t\u1ed5ng thu nh\u1eadp.<\/p>\n

Th\u1eddi \u0111i\u1ec3m chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec3 n\u1ed9p \u0111\u01a1n xin th\u1ebb t\u00edn d\u1ee5ng<\/h2>\n

Canh th\u1eddi gian c\u1ee7a b\u1ea1n ING<\/a> N\u1ed9p \u0111\u01a1n xin th\u1ebb t\u00edn d\u1ee5ng m\u1ed9t c\u00e1ch chi\u1ebfn l\u01b0\u1ee3c s\u1ebd gi\u00fap t\u0103ng c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u1ed1t h\u01a1n. Tr\u00e1nh n\u1ed9p \u0111\u01a1n ngay sau khi \u0111\u00e3 c\u00f3 c\u00e1c y\u00eau c\u1ea7u t\u00edn d\u1ee5ng kh\u00e1c, v\u00ec nhi\u1ec1u \u0111\u01a1n \u0111\u0103ng k\u00fd trong th\u1eddi gian ng\u1eafn s\u1ebd g\u00e2y nghi ng\u1edd cho ng\u01b0\u1eddi cho vay.<\/p>\n

H\u00e3y c\u00e2n nh\u1eafc n\u1ed9p \u0111\u01a1n xin vay t\u00edn d\u1ee5ng sau khi h\u1ed3 s\u01a1 t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n c\u00f3 nh\u1eefng thay \u0111\u1ed5i t\u00edch c\u1ef1c, ch\u1eb3ng h\u1ea1n nh\u01b0 thanh to\u00e1n b\u1edbt d\u01b0 n\u1ee3 hi\u1ec7n c\u00f3 ho\u1eb7c x\u00f3a b\u1ecf c\u00e1c th\u00f4ng tin x\u1ea5u. N\u00ean \u0111\u1ee3i \u00edt nh\u1ea5t ba th\u00e1ng gi\u1eefa hai l\u1ea7n n\u1ed9p \u0111\u01a1n xin vay t\u00edn d\u1ee5ng \u0111\u1ec3 gi\u1ea3m thi\u1ec3u t\u00e1c \u0111\u1ed9ng c\u1ee7a vi\u1ec7c ki\u1ec3m tra t\u00edn d\u1ee5ng nghi\u00eam ng\u1eb7t \u0111\u1ebfn \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n.<\/p>\n

ING x\u00e1c \u0111\u1ecbnh h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng ban \u0111\u1ea7u c\u1ee7a b\u1ea1n nh\u01b0 th\u1ebf n\u00e0o?<\/h2>\n

ING ph\u00e2n t\u00edch nhi\u1ec1u y\u1ebfu t\u1ed1 d\u1eef li\u1ec7u \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng ban \u0111\u1ea7u c\u1ee7a b\u1ea1n, bao g\u1ed3m thu nh\u1eadp \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o, t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng tr\u00ean c\u00e1c t\u00e0i kho\u1ea3n hi\u1ec7n c\u00f3 v\u00e0 l\u1ecbch s\u1eed thanh to\u00e1n. Nh\u1eefng ng\u01b0\u1eddi c\u00f3 thu nh\u1eadp cao h\u01a1n v\u00e0 n\u1ee3 hi\u1ec7n c\u00f3 th\u1ea5p th\u01b0\u1eddng nh\u1eadn \u0111\u01b0\u1ee3c h\u1ea1n m\u1ee9c h\u00e0o ph\u00f3ng h\u01a1n, ph\u1ea3n \u00e1nh kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3 c\u1ee7a h\u1ecd.<\/p>\n

M\u1ed1i quan h\u1ec7 c\u1ee7a b\u1ea1n v\u1edbi ING c\u0169ng r\u1ea5t quan tr\u1ecdng \u2014 kh\u00e1ch h\u00e0ng hi\u1ec7n t\u1ea1i c\u00f3 t\u00e0i kho\u1ea3n thanh to\u00e1n ho\u1eb7c ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u01b0u \u0111\u00e3i. Ng\u00e2n h\u00e0ng xem x\u00e9t th\u00f3i quen chi ti\u00eau v\u00e0 l\u1ecbch s\u1eed qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n c\u1ee7a b\u1ea1n \u0111\u1ec3 d\u1ef1 \u0111o\u00e1n h\u00e0nh vi s\u1eed d\u1ee5ng th\u1ebb t\u00edn d\u1ee5ng c\u00f3 tr\u00e1ch nhi\u1ec7m.<\/p>\n

C\u00e1c chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng<\/h2>\n

H\u00e3y th\u1ec3 hi\u1ec7n h\u1ed3 s\u01a1 t\u00e0i ch\u00ednh v\u1eefng m\u1ea1nh b\u1eb1ng c\u00e1ch \u0111\u1ea3m b\u1ea3o t\u00ednh ch\u00ednh x\u00e1c c\u1ee7a b\u00e1o c\u00e1o t\u00edn d\u1ee5ng tr\u01b0\u1edbc khi \u0111\u0103ng k\u00fd b\u1ea5t k\u1ef3 th\u1ebb t\u00edn d\u1ee5ng t\u1ed1t n\u00e0o. Khi\u1ebfu n\u1ea1i c\u00e1c l\u1ed7i v\u00e0 gi\u1ea3i quy\u1ebft c\u00e1c kho\u1ea3n n\u1ee3 qu\u00e1 h\u1ea1n \u0111\u1ec3 ch\u1ee9ng minh kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00f3 tr\u00e1ch nhi\u1ec7m v\u00e0 cam k\u1ebft v\u1ec1 uy t\u00edn t\u00edn d\u1ee5ng.<\/p>\n

H\u00e3y gi\u1ea3m t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n xu\u1ed1ng d\u01b0\u1edbi 30% tr\u00ean t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i kho\u1ea3n hi\u1ec7n c\u00f3 tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n xin vay. \u0110i\u1ec1u n\u00e0y th\u1ec3 hi\u1ec7n k\u1ef7 lu\u1eadt t\u00e0i ch\u00ednh v\u00e0 kh\u1ea3 n\u0103ng \u0111\u00e1p \u1ee9ng c\u00e1c kho\u1ea3n t\u00edn d\u1ee5ng b\u1ed5 sung m\u00e0 kh\u00f4ng g\u00e2y v\u01b0\u1ee3t qu\u00e1 h\u1ea1n m\u1ee9c ho\u1eb7c kh\u00f3 kh\u0103n trong thanh to\u00e1n.<\/p>\n

Duy tr\u00ec t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng th\u1ea5p \u0111\u1ec3 \u0111\u01b0\u1ee3c ph\u00ea duy\u1ec7t kho\u1ea3n vay t\u1ed1t h\u01a1n.<\/h2>\n

T\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng th\u1ec3 hi\u1ec7n ph\u1ea7n tr\u0103m h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng kh\u1ea3 d\u1ee5ng m\u00e0 b\u1ea1n hi\u1ec7n \u0111ang s\u1eed d\u1ee5ng tr\u00ean t\u1ea5t c\u1ea3 c\u00e1c t\u00e0i kho\u1ea3n t\u00edn d\u1ee5ng quay v\u00f2ng. Gi\u1eef t\u1ef7 l\u1ec7 n\u00e0y d\u01b0\u1edbi 10% th\u1ec3 hi\u1ec7n kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd t\u00edn d\u1ee5ng xu\u1ea5t s\u1eafc v\u00e0 l\u00e0m t\u0103ng \u0111\u00e1ng k\u1ec3 c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn cho c\u00e1c th\u1ebb t\u00edn d\u1ee5ng cao c\u1ea5p.<\/p>\n

H\u00e3y thanh to\u00e1n b\u1edbt c\u00e1c kho\u1ea3n n\u1ee3 hi\u1ec7n c\u00f3 tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n vay ING, v\u00ec t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng cao cho th\u1ea5y b\u1ea1n \u0111ang g\u1eb7p kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh. Thanh to\u00e1n tr\u01b0\u1edbc ng\u00e0y ch\u1ed1t sao k\u00ea s\u1ebd gi\u1ea3m s\u1ed1 d\u01b0 n\u1ee3 \u0111\u01b0\u1ee3c b\u00e1o c\u00e1o v\u00e0 c\u1ea3i thi\u1ec7n t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n trong qu\u00e1 tr\u00ecnh x\u00e9t duy\u1ec7t \u0111\u01a1n vay.<\/p>\n

X\u00e2y d\u1ef1ng l\u1ecbch s\u1eed thanh to\u00e1n t\u1ed1t tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n<\/h2>\n

Vi\u1ec7c thanh to\u00e1n \u0111\u00fang h\u1ea1n \u0111\u1ec1u \u0111\u1eb7n cho t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n n\u1ee3 t\u00edn d\u1ee5ng t\u1ea1o n\u1ec1n t\u1ea3ng cho vi\u1ec7c \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ea1nh tranh. Thanh to\u00e1n ch\u1eadm s\u1ebd \u0111\u01b0\u1ee3c l\u01b0u l\u1ea1i tr\u00ean b\u00e1o c\u00e1o t\u00edn d\u1ee5ng trong b\u1ea3y n\u0103m v\u00e0 l\u00e0m gi\u1ea3m \u0111\u00e1ng k\u1ec3 kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn vay v\u1ed1n t\u1eeb b\u1ea5t k\u1ef3 nh\u00e0 cho vay n\u00e0o.<\/p>\n

T\u1ef1 \u0111\u1ed9ng h\u00f3a c\u00e1c kho\u1ea3n thanh to\u00e1n t\u1ed1i thi\u1ec3u \u0111\u1ec3 tr\u00e1nh ch\u1eadm tr\u1ec5 ngo\u00e0i \u00fd mu\u1ed1n, \u0111\u1ed3ng th\u1eddi thanh to\u00e1n nhi\u1ec1u h\u01a1n khi c\u00f3 th\u1ec3 \u0111\u1ec3 gi\u1ea3m d\u01b0 n\u1ee3. S\u00e1u th\u00e1ng l\u1ecbch s\u1eed thanh to\u00e1n ho\u00e0n h\u1ea3o c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n \u0111\u00e1ng k\u1ec3 \u0111i\u1ec3m t\u00edn d\u1ee5ng v\u00e0 c\u01a1 h\u1ed9i \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn tham gia c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh t\u00edch \u0111i\u1ec3m du l\u1ecbch.<\/p>\n

C\u01a1 h\u1ed9i s\u01a1 tuy\u1ec3n v\u00e0 s\u01a1 ph\u00ea duy\u1ec7t<\/h2>\n

ING cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 \u0111\u00e1nh gi\u00e1 s\u01a1 b\u1ed9 gi\u00fap \u01b0\u1edbc t\u00ednh kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn m\u00e0 kh\u00f4ng \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn \u0111i\u1ec3m t\u00edn d\u1ee5ng c\u1ee7a b\u1ea1n th\u00f4ng qua c\u00e1c y\u00eau c\u1ea7u ki\u1ec3m tra t\u00edn d\u1ee5ng nh\u1eb9. C\u00e1c \u0111\u00e1nh gi\u00e1 s\u01a1 b\u1ed9 n\u00e0y xem x\u00e9t th\u00f4ng tin t\u00e0i ch\u00ednh c\u01a1 b\u1ea3n \u0111\u1ec3 d\u1ef1 \u0111o\u00e1n t\u1ef7 l\u1ec7 ch\u1ea5p thu\u1eadn tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n ch\u00ednh th\u1ee9c.<\/p>\n

Th\u01b0 m\u1eddi ph\u00ea duy\u1ec7t s\u01a1 b\u1ed9 cho th\u1ea5y kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn cao d\u1ef1a tr\u00ean c\u00e1c ti\u00eau ch\u00ed n\u1ed9i b\u1ed9 c\u1ee7a ING v\u00e0 m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng hi\u1ec7n c\u00f3. Tuy nhi\u00ean, vi\u1ec7c ph\u00ea duy\u1ec7t cu\u1ed1i c\u00f9ng v\u1eabn y\u00eau c\u1ea7u xem x\u00e9t h\u1ed3 s\u01a1 \u0111\u1ea7y \u0111\u1ee7 v\u00e0 x\u00e1c minh th\u00f4ng tin t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c cung c\u1ea5p.<\/p>\n

Nh\u1eefng l\u00fd do th\u01b0\u1eddng g\u1eb7p khi\u1ebfn th\u1ebb t\u00edn d\u1ee5ng ING b\u1ecb t\u1eeb ch\u1ed1i<\/h2>\n

C\u00e1c \u0111\u01a1n xin vay th\u01b0\u1eddng b\u1ecb t\u1eeb ch\u1ed1i ch\u1ee7 y\u1ebfu do l\u1ecbch s\u1eed t\u00edn d\u1ee5ng kh\u00f4ng \u0111\u1ee7, thanh to\u00e1n ch\u1eadm tr\u1ec5 g\u1ea7n \u0111\u00e2y ho\u1eb7c n\u1ee3 hi\u1ec7n c\u00f3 qu\u00e1 l\u1edbn. T\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng cao h\u01a1n 50% cho th\u1ea5y t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh eo h\u1eb9p v\u00e0 l\u00e0m d\u1ea5y l\u00ean lo ng\u1ea1i v\u1ec1 kh\u1ea3 n\u0103ng tr\u1ea3 n\u1ee3.<\/p>\n

Qu\u00e1 nhi\u1ec1u y\u00eau c\u1ea7u ki\u1ec3m tra t\u00edn d\u1ee5ng g\u1ea7n \u0111\u00e2y cho th\u1ea5y ng\u01b0\u1eddi th\u1ea9m \u0111\u1ecbnh c\u00f3 th\u1ec3 \u0111ang t\u00ecm ki\u1ebfm t\u00edn d\u1ee5ng ho\u1eb7c g\u1eb7p kh\u00f3 kh\u0103n t\u00e0i ch\u00ednh. Thu nh\u1eadp th\u1ea5p so v\u1edbi h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng y\u00eau c\u1ea7u ho\u1eb7c l\u1ecbch s\u1eed vi\u1ec7c l\u00e0m kh\u00f4ng \u1ed5n \u0111\u1ecbnh c\u0169ng l\u00e0 nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i t\u1eeb c\u00e1c nh\u00f3m \u0111\u00e1nh gi\u00e1 r\u1ee7i ro.<\/p>\n

Y\u00eau c\u1ea7u t\u0103ng h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng sau khi \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn<\/h2>\n

Sau khi \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn, ch\u1ee7 th\u1ebb c\u00f3 th\u1ec3 y\u00eau c\u1ea7u t\u0103ng h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng sau s\u00e1u th\u00e1ng s\u1eed d\u1ee5ng c\u00f3 tr\u00e1ch nhi\u1ec7m v\u00e0 thanh to\u00e1n \u0111\u1ec1u \u0111\u1eb7n. H\u00e3y s\u1eed d\u1ee5ng th\u1ebb th\u01b0\u1eddng xuy\u00ean nh\u01b0ng duy tr\u00ec t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng d\u01b0\u1edbi 30% \u0111\u1ec3 ch\u1ee9ng minh th\u00f3i quen chi ti\u00eau c\u00f3 ki\u1ec3m so\u00e1t v\u00e0 s\u1ef1 \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh.<\/p>\n

Chia nh\u1ecf kho\u1ea3n thanh to\u00e1n trong su\u1ed1t chu k\u1ef3 thanh to\u00e1n \u0111\u1ec3 gi\u1eef s\u1ed1 d\u01b0 b\u00e1o c\u00e1o \u1edf m\u1ee9c th\u1ea5p v\u00e0 th\u1ec3 hi\u1ec7n kh\u1ea3 n\u0103ng qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n ch\u1ee7 \u0111\u1ed9ng. Y\u00eau c\u1ea7u t\u0103ng h\u1ea1n m\u1ee9c sau khi thu nh\u1eadp t\u0103ng ho\u1eb7c gi\u1ea3m n\u1ee3 \u0111\u00e1ng k\u1ec3 \u0111\u1ec3 c\u1ee7ng c\u1ed1 l\u1eadp lu\u1eadn c\u1ee7a b\u1ea1n khi xin h\u1ea1n m\u1ee9c cao h\u01a1n.<\/p>\n

Nh\u1eefng l\u1ee3i \u00edch c\u1ee7a th\u1ebb ING \u0111\u00e1ng \u0111\u1ec3 c\u00e2n nh\u1eafc<\/h2>\n

Th\u1ebb t\u00edn d\u1ee5ng ING cung c\u1ea5p ch\u01b0\u01a1ng tr\u00ecnh ho\u00e0n ti\u1ec1n c\u1ea1nh tranh cho c\u00e1c giao d\u1ecbch mua s\u1eafm h\u00e0ng ng\u00e0y nh\u01b0 th\u1ef1c ph\u1ea9m, x\u0103ng d\u1ea7u v\u00e0 \u0103n u\u1ed1ng. C\u00e1c th\u1ebb cao c\u1ea5p bao g\u1ed3m b\u1ea3o hi\u1ec3m du l\u1ecbch, b\u1ea3o v\u1ec7 ng\u01b0\u1eddi mua v\u00e0 b\u1ea3o h\u00e0nh m\u1edf r\u1ed9ng, mang l\u1ea1i gi\u00e1 tr\u1ecb \u0111\u00e1ng k\u1ec3 ngo\u00e0i t\u1ef7 l\u1ec7 ho\u00e0n ti\u1ec1n.<\/p>\n

Ch\u1ee7 th\u1ebb \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u00e1c t\u00f9y ch\u1ecdn quy \u0111\u1ed5i linh ho\u1ea1t bao g\u1ed3m gi\u1ea3m tr\u1eeb v\u00e0o sao k\u00ea, chuy\u1ec3n kho\u1ea3n tr\u1ef1c ti\u1ebfp ho\u1eb7c \u0111\u1eb7t ch\u1ed7 du l\u1ecbch th\u00f4ng qua c\u00e1c c\u1ed5ng th\u00f4ng tin \u0111\u1ed1i t\u00e1c. M\u1ed9t s\u1ed1 th\u1ebb c\u00f3 th\u1eddi gian h\u01b0\u1edfng l\u00e3i su\u1ea5t \u01b0u \u0111\u00e3i 0% cho c\u00e1c giao d\u1ecbch mua s\u1eafm v\u00e0 \u01b0u \u0111\u00e3i chuy\u1ec3n kho\u1ea3n d\u01b0 n\u1ee3 \u0111\u1ec3 h\u1ee3p nh\u1ea5t n\u1ee3.<\/p>\n

Qu\u1ea3n l\u00fd t\u00e0i kho\u1ea3n c\u1ee7a b\u1ea1n \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u00e0nh c\u00f4ng l\u00e2u d\u00e0i<\/h2>\n

H\u00e3y duy tr\u00ec t\u00ecnh tr\u1ea1ng t\u00edn d\u1ee5ng t\u1ed1t v\u1edbi th\u1ebb t\u00edn d\u1ee5ng ING c\u1ee7a b\u1ea1n b\u1eb1ng c\u00e1ch thi\u1ebft l\u1eadp thanh to\u00e1n t\u1ef1 \u0111\u1ed9ng \u00edt nh\u1ea5t l\u00e0 s\u1ed1 ti\u1ec1n t\u1ed1i thi\u1ec3u. Thanh to\u00e1n to\u00e0n b\u1ed9 d\u01b0 n\u1ee3 h\u00e0ng th\u00e1ng \u0111\u1ec3 tr\u00e1nh ph\u00ed l\u00e3i su\u1ea5t v\u00e0 t\u1ed1i \u0111a h\u00f3a gi\u00e1 tr\u1ecb \u0111i\u1ec3m th\u01b0\u1edfng khi chi ti\u00eau.<\/p>\n

Th\u01b0\u1eddng xuy\u00ean ki\u1ec3m tra t\u00e0i kho\u1ea3n c\u1ee7a b\u1ea1n \u0111\u1ec3 ph\u00e1t hi\u1ec7n c\u00e1c kho\u1ea3n ph\u00ed tr\u00e1i ph\u00e9p v\u00e0 xem x\u00e9t k\u1ef9 c\u00e1c b\u1ea3n sao k\u00ea trong m\u1ed7i chu k\u1ef3 thanh to\u00e1n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o t\u00ednh ch\u00ednh x\u00e1c. C\u1eadp nh\u1eadt th\u00f4ng tin li\u00ean l\u1ea1c c\u1ee7a b\u1ea1n \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c th\u00f4ng b\u00e1o quan tr\u1ecdng v\u1ec1 thay \u0111\u1ed5i ph\u00ed h\u00e0ng n\u0103m ho\u1eb7c s\u1eeda \u0111\u1ed5i ch\u01b0\u01a1ng tr\u00ecnh.<\/p>\n

Hi\u1ec3u v\u1ec1 ph\u00ed th\u01b0\u1eddng ni\u00ean v\u00e0 c\u1ea5u tr\u00fac l\u00e3i su\u1ea5t h\u00e0ng n\u0103m (APR)<\/h2>\n

ING cung c\u1ea5p c\u1ea3 c\u00e1c l\u1ef1a ch\u1ecdn th\u1ebb kh\u00f4ng ph\u00ed th\u01b0\u1eddng ni\u00ean v\u00e0 c\u00e1c th\u1ebb cao c\u1ea5p v\u1edbi chi ph\u00ed h\u00e0ng n\u0103m dao \u0111\u1ed9ng t\u1eeb $95 \u0111\u1ebfn $495. H\u00e3y \u0111\u00e1nh gi\u00e1 xem c\u00e1c l\u1ee3i \u00edch b\u1ed5 sung c\u00f3 x\u1ee9ng \u0111\u00e1ng v\u1edbi ph\u00ed th\u01b0\u1eddng ni\u00ean hay kh\u00f4ng d\u1ef1a tr\u00ean th\u00f3i quen chi ti\u00eau v\u00e0 s\u1edf th\u00edch \u0111\u1ed5i \u0111i\u1ec3m c\u1ee7a b\u1ea1n.<\/p>\n

L\u00e3i su\u1ea5t APR thay \u0111\u1ed5i th\u01b0\u1eddng dao \u0111\u1ed9ng t\u1eeb 15,99% \u0111\u1ebfn 24,99% t\u00f9y thu\u1ed9c v\u00e0o kh\u1ea3 n\u0103ng t\u00edn d\u1ee5ng khi \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn. L\u00e3i su\u1ea5t khuy\u1ebfn m\u00e3i \u00e1p d\u1ee5ng cho c\u00e1c danh m\u1ee5c mua h\u00e0ng ho\u1eb7c chuy\u1ec3n kho\u1ea3n s\u1ed1 d\u01b0 c\u1ee5 th\u1ec3, v\u00e0 s\u1ebd tr\u1edf l\u1ea1i m\u1ee9c l\u00e3i su\u1ea5t ti\u00eau chu\u1ea9n sau khi th\u1eddi gian \u01b0u \u0111\u00e3i k\u1ebft th\u00fac.<\/p>\n

K\u1ebft lu\u1eadn: Chu\u1ea9n b\u1ecb b\u1ea3n th\u00e2n \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u00e0nh c\u00f4ng khi xin ph\u00ea duy\u1ec7t c\u1ee7a ING<\/h2>\n

\u0110\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn th\u1ebb t\u00edn d\u1ee5ng ING, c\u1ea7n c\u00f3 s\u1ef1 chu\u1ea9n b\u1ecb chi\u1ebfn l\u01b0\u1ee3c bao g\u1ed3m t\u1ed1i \u01b0u h\u00f3a \u0111i\u1ec3m t\u00edn d\u1ee5ng, ch\u1ee9ng minh thu nh\u1eadp v\u00e0 qu\u1ea3n l\u00fd t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng. Hi\u1ec3u r\u00f5 k\u1ef3 v\u1ecdng c\u1ee7a nh\u00e0 ph\u00e1t h\u00e0nh gi\u00fap ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n th\u1ec3 hi\u1ec7n h\u1ed3 s\u01a1 t\u00e0i ch\u00ednh m\u1ea1nh m\u1ebd nh\u1ea5t c\u00f3 th\u1ec3 \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u00e1c \u0111i\u1ec1u kho\u1ea3n \u01b0u \u0111\u00e3i.<\/p>\n

H\u00e3y t\u1eadp trung x\u00e2y d\u1ef1ng l\u1ecbch s\u1eed thanh to\u00e1n t\u1ed1t, gi\u1ea3m n\u1ee3 hi\u1ec7n c\u00f3 v\u00e0 duy tr\u00ec t\u1ef7 l\u1ec7 s\u1eed d\u1ee5ng t\u00edn d\u1ee5ng th\u1ea5p tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n. V\u1edbi s\u1ef1 chu\u1ea9n b\u1ecb v\u00e0 th\u1eddi \u0111i\u1ec3m th\u00edch h\u1ee3p, nh\u1eefng ng\u01b0\u1eddi \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u01b0u \u0111\u00e3i c\u1ea1nh tranh v\u00e0 c\u00e1c gi\u1ea3i ph\u00e1p t\u00edn d\u1ee5ng linh ho\u1ea1t th\u00f4ng qua danh m\u1ee5c th\u1ebb c\u1ee7a ING.<\/p>","protected":false},"excerpt":{"rendered":"

ING credit cards offer competitive rewards and flexible payment options for diverse spending habits. Understanding approval 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-739","post","type-post","status-publish","format-standard","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/posts\/739","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=739"}],"version-history":[{"count":0,"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/posts\/739\/revisions"}],"wp:attachment":[{"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/media?parent=739"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/categories?post=739"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/likapk.com\/vi\/wp-json\/wp\/v2\/tags?post=739"}],"curies":[{"name":"trang web","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}