البطاقات الإئتمانية و القروص | دليل مدينة دبي | بيت.كوم
It is not easy to get the approval for a credit card in Dubai because the bank has to make sure that the credit card holder is reliable enough to pay the installments. While it definitely helps if you hold a good and well-paying job in Dubai or a top job in Abu Dhabi or in the UAE elsewhere, that alone does not always guarantee your application for credit will be accepted. While sophisticated methods of assessment have developed in the world's banking sectors, the UAE is perhaps in its developmental stages of perfecting a reliable credit assessment technique.
While banks in developed economies use credit rating agencies and credit bureaus for their assessments, banks in the UAE have relied on informal methods of checking such as salary transfer letters or internal blacklists.
The UAE Central Bank runs a risk bureau, to which banks are required to report cases of loan defaults.
Credit bureaus and credit rating agencies are vital for the banking sector but unfortunately a credit rating agency is not available yet while only a relatively new credit bureau has been established in the UAE.