As many as 74% of urban Chinese households have never applied for a credit card, a second-quarter survey released over the weekend jointly by Tsinghua University and Citigroup has found, revealing a huge market potential. Of the 5,200 households in 24 cities, only 19% applied and succeeded with the remaining 7%'s application for a credit card denied. Up to 80% of them would borrow money from relatives or friends, and only 19% would turn to banks, added the report.
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