【传闻】Chase、Wells Fargo、US Bank等银行将共享银行账户信息，增加0信用记录用户批卡几率

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【传闻】Chase、Wells Fargo、US Bank等银行将共享银行账户信息，增加0信用记录用户批卡几率

传闻来源WSJ：

https://www.wsj.com/articles/jpmorgan-others-plan-to-issue-credit-cards-to-people-with-no-credit-scores-11620898206

根据WSJ在5月13日的新闻，由Chase, Wells Fargo和U.S. Bank等10家美国银行组成的集团，将为没有信用分的新申卡用户（即0信用记录用户），相互共享有关客户的checking和savings账户余额及其透支历史的信息，以增加他们获得新信用卡批准的机会。

JPMorgan Chase, Wells Fargo, U.S. Bank and others will factor in information from applicants’ checking or savings accounts at other financial institutions to increase their chances of being approved for credit cards, according to people familiar with the matter. The pilot program is expected to launch this year.

It is aimed at individuals who don’t have credit scores but who are financially responsible. The banks would consider applicants’ account balances over time and their overdraft histories, the people said.

这些银行正在讨论使用Equifax、Experian和TransUnion以及Early Warning Services等作为这种数据共享的渠道的可能性。

Banks are discussing using the main credit-reporting firms— Equifax Inc., Experian PLC and TransUnion —as well as Early Warning Services LLC as the conduits for this data-sharing, the people said. Early Warning Services is a bank-owned organization that oversees the Zelle money-transfer network.

Chase计划最早在今年秋天开始试行该政策，将尝试给持有其他银行Checking、Saving且拥有良好账户历史、无信用记录申请者批准Chase信用卡。

JPMorgan is expected to be the first to use the deposit-account data in evaluating credit-card applicants. As soon as this fall, the bank plans to start approving applications based on those inputs from the other banks.

美卡攻略点评：

这10个银行估计除了Chase、Wells Fargo（富国）、US Bank（合众）外，其他都是小银行。Checking、Saving最容易获取的美国银行BOA，似乎不在里面。

政策面向的应该是美国本土、不喜欢开信用卡的，借记卡一卡流或现金流的人。

这个政策对于绝大部分玩卡的读者没有帮助，因为绝大部分读者都有信用卡记录了。能申请这些银行集团的银行账户，多数也有信用记录了。

政策如果执行，比较有意思的将会是Chase及US Bank的信用卡申请。

例子1，你持有Wells Fargo的多年的银行账户，且有SSN或者ITIN，在没有信用记录的情况下，获得Chase批卡【这种人肯定很少】。

例子2，你持有Chase、Wells Fargo的多年的银行账户，且有SSN，在没有信用记录的情况下，获得US Bank批卡【这种人应该也很少】。

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