Most of the reasons are: 1. Bad credit. 2. Long credit. 3. Inconsistent income. 4. The information is not perfect. 5. The information in the application form is incorrect.
Why can't I always apply for my credit card?
One,
There are many reasons why the credit card application can't come down, such as:
1. Age mismatch: Credit cards will require applicants to be at least 18 years old, but some of them must be at least 20 or 22 or 23 years old. If the applicant's age is not up to standard, he will naturally not get a credit card.
2. There is something wrong with credit: to apply for a credit card, the applicant must have good personal credit, and there must be no bad credit record on the credit report. Otherwise, the bank is likely to refuse to approve the card.
3. Insufficient repayment ability: When applying for a credit card, banks generally need the applicant to provide some information on economic income and assets to prove that they have the ability to repay on time. Some bank credit cards also specifically stipulate that the applicant's annual (monthly) after-tax income should reach a certain level. If the applicant cannot prove that he has the ability to repay the loan on time, the application is likely to fail.
4. Holding too many credit cards: If the applicant holds too many credit cards and the debt ratio is too high, it may also lead to the failure to apply for a card; Even if you apply for a card, the approved amount may be relatively low.
5. Apply for credit cards frequently: If applicants always apply for credit cards some time ago, their applications may be rejected. After all, frequent application for credit cards is easy to obtain credit information, and it may also make banks suspect that the applicant's economic life is unstable, which will have a certain impact on the approval of credit cards.
Second, the credit card related content
1. You can spend money without overdraft, enjoy an interest-free period of 20-56 days, and repay on time without any charge (most banks will charge 0.5% interest and 2% handling fee on the day of cash withdrawal, and ICBC will only charge interest);
2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift;
3. Special merchants who hold cards in banks can enjoy preferential treatment;
4. Accumulate personal credit, add a credit record to your credit file, and benefit for life;
5. National access is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.
What is the reason why the credit card can't be done?
What are the reasons for the rejection of credit card applications?
The reasons why users are refused to apply for credit cards are: frequently applying for various credit businesses in a short period of time; Personal credit reporting is bad, and there are overdue records in the credit reporting; Personal debt ratio is too high and repayment ability is insufficient; No stable job and income; Does not meet the age requirements for applying for a credit card; The user has been blacklisted by the bank.
Under the above circumstances, the user's application for a credit card will be rejected. Users must solve the problem first and then apply for a credit card. Repeated application will only lead to the waste of personal credit information.
What are the reasons for not applying for a credit card?
1, the age does not meet the requirements: generally speaking, if the user is 18 years old and above, then you can apply for a credit card. However, some banks or certain card types have strict requirements, and the requirements are between 22 and 23 years old.
2. Too many credit cards have been applied: because users apply for loans or credit cards with their current credit status, banks will have an upper limit on the estimated amount. Suppose you apply for more than one credit card in the bank, and the credit limit is close to the upper limit, so it is easy to be rejected if you apply again.
3. Personal repayment ability is average: credit card debts are paid every month, which naturally requires users to have a stable source of economic income. It is difficult for the "three noes" who have no job to apply for the exam.
4. Credit: If the user is seriously overdue or has high personal debt, it can be seen in the credit report that the bank will refuse on the grounds of risk.
The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!
Credit card applications of China Merchants Bank and Ping An Bank
Credit card applications of China Everbright Bank and China CITIC Bank
Credit card applications of Agricultural Bank and Minsheng Bank
This is the end of the introduction about why you can't get a credit card and why you can't get a credit card. I wonder if you have found the information you need?