Credit card applications are always rejected for the following reasons.
1. The applicant does not meet the most basic requirements of the joint card, and may be under 18 years old or over-aged, exceeding the limit of the bank.
2. Have a bad credit record, that is, the applicant has a credit card overdue or loans overdue repayment record, and the personal credit information system has a bad record.
There is no credit card business in this area.
4. The applicant is a white credit account, and the person who applies for a credit card for the first time has no previous credit record, so it is difficult for the bank to judge its credit quality, and it is easy to get a card and be rejected.
Why do credit cards always apply, but
1. The applicant's age does not match: the credit card applicant must be a China citizen who has reached the age of 18 and has full civil capacity.
2. Inconsistent income of applicants: Applicants must have a stable job and a legitimate source of income, and only when they have a job and income can they guarantee to pay off their credit card accounts.
3. The applicant's personal credit does not match: the bank will review the applicant's personal credit. If personal credit is tainted, the bank will not pass the application.
4. Unable to contact the applicant: the bank will contact the applicant several times during the audit period to verify his personal situation. If the applicant's mobile phone number or address reserved in the bank is wrong, and the bank cannot contact the applicant, the bank will not approve his credit card application.
5. Health reasons of the applicant: If there are health problems in the application, the bank will control the risk of the applicant during the review and consider whether to apply for a credit card.
6. Irregular card-handling institutions: Try to choose a formal banking institution when applying. Many intermediary agencies that collect money to handle cards and some roadside card-handling points are designed to cheat money and user information and cannot approve cards.
7. Frequent submission of applications: Applicants frequently apply for the same bank credit card, submit the application form several times or cancel the submission many times, which is also the reason why the credit card application is not enough.
8. Insufficient comprehensive rating: Banks use the rating system to automatically rate users. Only when the score line stipulated 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.
What are the credit card application conditions?
Conditions for applying for a credit card: the applicant must be at least 18 years old, with full capacity for civil conduct and the ability to repay debts; Have a legal and stable job and income and provide corresponding income certificates; Personal reputation is good, no bad reputation record and so on.
The age of the main credit card applicant needs to be above 18 years old.
The maximum age limit for China Merchants Bank, CITIC and Pudong Development Bank is 60 years old.
The maximum age limit for Guangfa, Bank of Communications, Minsheng, Ping An and Huaxia is 65.
The maximum age limit of CCB can be extended to 70 years old.
Supplementary card applicants can generally apply at the age of 16.
China Merchants Bank and Agricultural Bank require 14 years old or older.
Minsheng and CCB only need 13 years old to apply for supplementary cards.
Applicants should have a stable job and legal income, and have certain repayment ability.
Applicants need to have good personal credit conditions and no bad credit records.
Credit card processing also needs to be related to gender, position, housing, education, marriage, real estate, automobile production, professional title and so on.
The higher the comprehensive factor score, the easier it is to apply for a credit card.
Why can't I apply for a credit card?
What are the reasons for the rejection of credit card application and the failure of credit card application?
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
What are the reasons why the credit card application is not approved?
For many card friends, it should be easy to apply for a credit card as long as their credit information is not overdue, but many card friends report that their credit card applications are always rejected. In fact, there are many reasons why credit card applications are rejected. Credit investigation is only a part, and there are other special reasons. If you don't do well, your credit card application will also be rejected. So today, Xiao Qin will share with you the reasons why the credit card application was rejected and how to solve it, so that we can easily get rid of the card and interested friends can continue reading.
First, the comprehensive score is insufficient.
I believe this is why many card friends are rejected. What is the lack of comprehensive score? It is your internal big data in the bank, and your personal credit information is external big data. Your credit investigation is not overdue, but you need to do a good job in the internal information of the bank you applied for, establish the bank's attention and improve your internal score in the bank, otherwise you will be rejected by the bank if you don't apply for anything. So how do you improve your attention in the bank and establish a comprehensive score? Interested card friends can consult Xiao Qin.
Second, the card selection
Credit cards are also graded. The higher the card type, the higher the requirements for the applicant. If you don't apply according to your actual qualifications, you are likely to be rejected. On the contrary, if you can choose the card type according to your personal qualifications, the success rate will be improved a lot.
Third, there is too much long-term credit.
Multi-head credit refers to the behavior of two or more financial institutions granting credit to the same customer, including credit cards, credit lines and credit lines of various financial institutions. When a person has too many credit reporting agencies, it is easy for a credit card application to be rejected because of multiple credits. At present, the multi-head credit for construction, investment promotion, agriculture, people's livelihood and Guangfa is very strict. Is there any way to get rid of it
1, optimize credit.
Credit card users whose credit cards or inquiry records exceed the limit are also a kind of multi-head credit. If the limit has been exceeded, stop the application first and use the skill of "creating three N-single-currency cards with a credit account". In three months, they can directly isolate the original records that exceed the limit, and directly achieve the effect of reshaping credit information. I don't know if I can consult Qin Xiao WeChat for study.
2. Cancel unused credit platforms
You used to have a financial platform and an authorization line. If it is no longer used, it is recommended to log out directly. Generally, financial platforms with authorized lines all collect credit at meetings, which will also affect multi-head credit granting.
3. Create high-quality credit cards
Many people think that the more credit cards, the better. In fact, 3-6 cards are usually enough. There are not many cards, but in essence there are many credit cards, which will not help you increase your credit limit, but will also affect the bank's giving you a higher credit limit. So according to the situation of your existing bank, cancel the credit card of the bank with little room for improvement. After simplifying the cards, through the special "dense card" skills,
I want to ask why I can't get a credit card.
There are many reasons why credit cards cannot be processed, such as the following:
1. Incomplete materials and incorrect information.
2. The applicant can't be contacted for verification information, and the unit can't find anyone.
3, blacklisted, that is, there is a problem with credit reporting.
Taking ICBC as an example, the steps for handling credit card fees are as follows:
In addition to the ID card and work permit, the ICBC counter also needs other financial or property certificates, such as salary income certificate, real estate license, etc. Relevant materials are as follows:
(1) Copy of ID card. Applicants for primary and secondary cards must provide. Identity documents refer to one of resident identity cards, military officers' cards, Hong Kong and Macao residents' passes to and from the mainland, Taiwan Province compatriots' passes to and from the mainland and foreign passports.
(2) Work certification documents. Refers to the copy of work permit, the original work certificate issued by the work unit, the copy of professional qualification certificate and one of the copies of professional titles.
(3) A copy of the permanent residence certificate. Such as house ownership certificate, public house lease agreement or public house purchase agreement. Applicants who work in a company (enterprise) generally need to provide proof documents of their real estate (copies of their real estate license, public housing lease agreement or public housing purchase agreement, housing loan contract and other materials).