The comprehensive score is the bank’s comprehensive quantitative assessment of user qualifications, which will be affected by the user’s occupation, income, education, etc. As long as one of them is deemed to be risky by the credit review, it may be identified as The card will be rejected if the overall score is insufficient. If you want to apply for a credit card again, users must master some card application skills. So, how can I apply for a credit card if my overall score is insufficient? What are the tips for applying for a card?

1. Please wait more than 3 months before applying. Often, after a cardholder is rejected due to insufficient comprehensive score, they immediately change other channels to apply for a credit card from the same bank again. The effect of this is not good, because the bank approves the card based on the user's qualifications, not the credit card. Card application channels, and it is difficult to change the card application qualifications in the short term. Unless you can provide proof of financial resources such as real estate and car ownership, you may face card rejection and may even be added to the blacklist. . Therefore, it is best for users to wait 3-6 months before applying for a credit card.

2. Lower the level of card application. Credit cards are divided into regular card, gold card, platinum card and other levels. The higher the level, the higher the credit requirements of users. If you apply for a high-level credit card and are rejected because the comprehensive score is insufficient, you may wish to lower the card level and choose the card level based on your actual qualifications. Do not blindly pursue the limit and choose to apply for a higher-level credit card, otherwise you will be rejected. Card rejection situation.

3. Apply to another bank. Different credit card application platforms have different thresholds for applying for a card. For example, the threshold for applying for a card at a state-owned bank is higher than that at a commercial bank. Therefore, if a user is considered to have insufficient overall score at a state-owned bank, he or she can try to apply for a card at a commercial bank. , maybe it can pass the review.

However, when applying for a card, users still need to consider their own needs and repayment ability, and apply for a card reasonably within the scope of financial permission, so as not to over-apply for a card and ultimately be unable to repay. situation. Moreover, holding too many credit cards in your name will also increase the user's debt ratio, which will affect the user's future loan application or card application results.