Credit is not the only reference factor for credit card approval. No overdue can only indicate that there is no bad credit record, but it does not mean that the user's other qualifications are in good condition. Therefore, it is normal for credit card approval to be rejected. If the user has been unable to get a card, you can find out the reasons through these aspects:
1, basic card condition. Even for the same credit card application platform, different card types have different requirements for users. Some credit cards even have age requirements, and some are aimed at specific objects. Therefore, it is suggested that users should first understand whether the credit card to be applied for has special requirements in terms of age, gender, occupation, etc. before applying for a card.
2. The authenticity and integrity of the data. When applying for a credit card, you should submit true and complete information to improve the approval rate of the credit card. However, in order to successfully approve the card, many users will over-discount their information, but they don't know that once they are found by the bank to be inconsistent with the real information, they will be blacklisted by the bank in addition to refusing the card.
3. Stability of repayment ability. In the case of a job, there is no guarantee that its repayment ability is stable. In the process of approval, banks will not only look at personal income, but also consider their liabilities to judge their repayment ability. The outstanding debt on the credit report is personal debt. The higher the debt ratio, the weaker its repayment ability.
4. Appropriate credit card. Different credit card levels have different requirements for users. Therefore, users should consider their comprehensive qualifications when they apply for a card. Only when the comprehensive qualifications meet the conditions can they apply for a card successfully.
In short, if the card is not overdue, it may not be successful. In the case of good credit, if the card is still rejected, users are advised to refer to the above aspects to find out the specific reasons, then improve the qualification conditions in a targeted manner and resubmit the application after a period of time. In addition, when using the card, users should pay attention to maintain good behavior and repay in full and on time.