Many users think that credit cards do not need to provide mortgage guarantee, which is easier to handle, but it is not. As a credit card application platform, this product has a low threshold, but it also has certain requirements for users. The bank will make a comprehensive evaluation of the applicant's situation, and only when the score reaches the standard can it pass the audit smoothly, otherwise it will be rejected. Then, why can't the credit card application pass the examination?

Why did the credit card audit fail?

1, the age condition is not up to standard. Age is one of the important factors used by banks to judge users' repayment ability. Although 18 years old can successfully apply for a card, users aged over 22 and under 45 are generally more popular because of their relatively stable income and strong repayment ability. On the other hand, users who are too young and have unstable income have poor repayment ability.

2. Have a bad credit record. In the credit society, a good credit record is very important, especially when you apply for a credit card, you will be queried for credit. If the user has a credit history and has been repaying in full and on time, it shows that he has a good repayment will and strong repayment ability. On the contrary, he has a bad record or violates regulations, so it is difficult to successfully approve credit cards.

3. No stable income. Although some users have jobs, they are not stable enough, such as salesmen and insurance companies. Because of their professional relationship, it is difficult to successfully approve credit cards. There are also users who have just worked for less than a year, and some can't even pass the probation period. Banks will naturally not take the risk of approving cards. Generally, only users who have worked 1 year or more can successfully approve cards.

4. The debt ratio is too high. If a user applies for a lot of credit products, the credit report shows that the debt ratio is too high, and the monthly salary will be used to pay off debts, which can not guarantee the basic life. Banks will definitely refuse credit card approval, fearing that users' repayment ability is not strong and repayment is overdue.

Therefore, when applying for a credit card, users should also maintain good behavior, repay in full and on time, and ensure good personal credit, so that they can successfully pass the loan review. Moreover, users should not blindly pursue high quotas, otherwise it is likely that they will not be able to repay due. More credit card information can be learned through Zhongxin Card Forum!