If the card is rejected, it is best to reapply after three months. If the card application fails, do not resubmit it immediately.
1. It is most likely that the bank credit card application conditions have not been met.
Many users did not read the application conditions carefully when they applied for the card. Many credit cards have application conditions, such as student card, female card, youth card or age limit, which will directly lead to the rejection of card application.
The most basic conditions for applying for a credit card:
1), age 18 to 60 years old.
2) Proof of stable income.
3) No bad credit record.
The requirements of major banks for credit card processing are not necessarily, but generally speaking, the most important thing is the applicant's credit record and repayment ability, so the stronger the financial resources, the more stable the work is!
2. Apply for multiple credit cards from a bank at the same time.
If you already have a credit card from this bank, that's a good thing. You can even apply for a card by credit card, but you have never applied for a credit card, and applying for multiple credit cards at one time is under review. Banks will think you are lucky, so it is difficult to approve.
I didn't verify my identity.
Generally speaking, the petition department of the bank will check the authenticity of the applicant's information by telephone and other means before approving the card. If the bank calls your office phone or mobile phone and you don't answer it, you can't verify the applicant's information and will usually be rejected!
4. Do not meet the conditions for bank card approval.
Before you apply for a credit card, you'd better ask, what are the processing conditions? (Every bank will be different, and different cards of the same bank will have different requirements. )
5. Less application materials
Applicants must pay attention to the authenticity and integrity of the application materials, which is an important basis for banks to approve cards. This information is especially important when applying for a credit card for the first time.
For example, if you have a house and a car, you can submit the approval documents such as the purchase contract and vehicle driving license. If there are only simple materials such as a copy of the ID card, the probability of passing is very small.
6. Have a bad credit record
After receiving the credit card application, the bank will check the applicant's credit record through the credit information platform. If the credit record is good, the credit card is more likely to be approved.
7. The bank score is not up to standard
Banks use a scoring system to automatically score users. Only when the score specified by the bank is reached can the card be approved. If it is not reached, the card will be rejected. The user receives the notice that "the comprehensive score is insufficient and the card issuance is rejected", which refers to this score.
8. Encounter a black intermediary
Try to choose a formal banking institution when applying. Many intermediaries and some roadside card offices collect money to defraud money and user information, and cannot approve cards.