Why can’t I get approved for a credit card! ?
Hello, it is recommended that you bring your ID card to the local Credit Information Management Office of the People's Bank of China to check and print your personal credit report. Check to see if there are any problems with your credit history. Then you need to provide proof that you have a stable income, and your position should not be as a salesperson or an insurance company.
Regarding bad credit records, it may be that someone else used your ID card to apply for a credit card or loan. In many cases, you don’t know it, so go check it out.
Also, don’t apply too frequently, wait a few months before applying again. If you have a stable job, social security, and proof of employment with no bad records, it should be easy to get a card at any bank. Why can’t I always get approved when I apply for a credit card?!
Sometimes the failure to get approved for a credit card is not due to personal reasons. Sometimes the approval of a credit card also depends on luck... Hello, why do I just get approved when I apply for a credit card? There are many reasons for not being able to apply, but based on your description, it should be "repeated application rejected." If you don’t get it, don’t rush to apply for this bank. Wait three months before applying to this bank or try another bank. Why can’t I always get approval when applying for a credit card? I suggest you go to the People’s Bank of China to get a credit report. Check to see if you have any bad records on your credit report;
The People’s Bank of China provides free credit reports;
This situation is actually very common and you need to get It’s best to check with the credit bureau. Why can’t I apply for a credit card?
I work in a bank, and I have helped others apply for many credit cards. In fact, situations like yours sometimes happen, for three reasons: 1. : The quota you applied for is too high, and you also filled in that you don’t accept other quotas, so the higher-ups won’t approve it. Two: There is a problem with the information you sent, but after repeated applications, the possibility of this problem is relatively small. Three: You said you have no bad records, did you ask the bank staff to check the credit information system for you, or did you make your own guesses. Because I have a client who also said that he has no bad record, but in fact he has guaranteed a loan for a friend. When the friend failed to repay the loan in time, he also had a bad record.
Also which bank are you applying for? If it is from one of the four major state-owned banks, you can also try some relatively smaller banks such as China Merchants Bank. The approval system of the four major banks is more stringent. It's much easier for smaller banks.
In addition, you applied online by yourself, or went to the bank for an interview. If you applied online by yourself, the car and house you mentioned are basically conditions that cannot be submitted, and it is normal to be rejected. of. Why can’t I get approved for a credit card?
To apply for a credit card, you need to be at least 18 years old, and you must have a stable income or other financial proof to apply for a credit card.
Conditions for applying for a credit card:
The minimum application age specified by the bank is 18 years old, and the maximum application age is 60 years old;
A second-generation ID card is required; < /p>
Proof of employment and income stamped with the company’s financial seal;
No bad credit record;
Other proof of financial resources, such as real estate, cars, stocks, bonds wait.
Materials required to apply for a credit card:
Applicant’s ID card;
Apply for a bank’s credit card application form;
Employment certificate and Proof of income stamped with the financial seal of the unit;
Individual and private entrepreneurs need an individual business license and tax bills for the past three months;
Other proof of financial resources: income tax withholding certificate; self-owned A photocopy of the real estate certificate; a photocopy of the driving license of your own car.
Why can’t my credit card be approved?
The main reasons why my credit card cannot be approved are as follows
The credit card record is not good
The applicant’s personal credit Records are very important to banks. Today, when the overdue rate is increasing day by day, in order to prevent bad debts, banks will strictly examine the past repayment status of applicants
If the applicant has ever been late in repaying whether it is a credit card or a loan It will affect your credit card application score and reduce the credit card approval rate
Applying for a credit card for the first time
If it is your first time to apply for a credit card, the bank does not know your previous repayment status. In simple terms If your credit record is blank, the bank will consider your credit card application more carefully
No credit record does not mean a good credit record. For first-time card applicants, the credit card limit usually approved by the bank will be smaller than that of the first-time card applicant. The rate is also lower
A platinum card applied rashly
A platinum card with a high limit is the goal of many people. However, because of the high limit, banks will have stricter requirements on applicants and many people will be rejected. The level of the credit card applied for by the bank is also too high
The source of income for self-employed people is unstable
Because self-employed people do not have a stable source of income, even though many applicants say they have houses and cars. But because I didn’t have a job, I was ruthlessly rejected by the bank
There were no branches in the applicant’s local area
Many applicants, especially online applicants, would overlook one issue, that is, only those in the local area would have one. A bank will only issue cards through its branches. This is because it is difficult for banks to collect credit card debts from local cardholders without branches. Once overdue, the bank will have difficulty collecting the card debt. Why can’t my credit card be approved?< /p>
Hello, if you are applying for a China Merchants Bank credit card, usually we will complete the system entry of the information within two working days after receiving your information. At that time, you can check your information in the application progress. Generally, the audit will be completed in about 10 working days. After our bank's credit card is issued, the card will be printed and sent by registered mail within two working days, and it will usually be received in about two weeks. If you have not received it for a long time, please call the toll-free service hotline 800-820-5555 (landline call), or call 4008205555 or 02138784800 and press 1-5 to transfer to manual. The service specialist will directly inquire and handle it for you.
If you have any questions about other China Merchants Bank credit cards, please search "4008205555" in QQ business friends and add "China Merchants Bank Credit Card Center" as a friend; or search "cmb4008205555" in WeChat to follow "China Merchants Bank Credit Card Center" "For consultation, thank you for your attention and support to China Merchants Bank! Why can’t I apply for a credit card?
Because I can’t meet the conditions for applying for a credit card.
When applying for a bank credit card, people with good credit records, wealthy people, stable families, and young people are more likely to succeed.
Application methods:
There are more and more ways to apply for credit cards. Currently, credit card applications can be mainly processed through the following five channels: bank branch counters, mobile stalls, online banking, mobile terminals and door-to-door appointments.
The bank considers the applicant’s job nature and repayment ability.
1. Applicants should be between 18 and 60 years old;
2. Have certain financial ability and good credit record;
3. Original ID card and Photocopy;
4. Proof of employment and income (these must be stamped by the employer);
5. Those with non-local household registration also need to provide proof of residence.
6. Individuals must also provide the following materials: a verified business license or tax registration certificate that proves they have been operating for more than two years;
7. Business premises contract or certificate of self-ownership (That is the real estate certificate).
Warm reminder:
If you want to apply for a higher credit limit, prepare some financial proof materials, which can be salary records issued by the bank, or income tax withholding certificates (tax payment certificates) , or documents that can prove the level of financial resources such as houses, cars, deposits and investment market value certificates. The real estate certificate must contain the name of the person or his spouse, with proof of relationship; the car driving license must be in his name.
Why can't I get approved for a credit card? It always says that the comprehensive review failed.
Usually the credit card audit fails due to two aspects.
1. If you have a bad credit record, you will not be able to apply for a credit card within five years.
2. The submitted information does not meet the requirements.
To apply for a bank credit card, the detailed information required is:
1. Proof of identity:
Usually an ID card (the new version of the ID card is required. Photocopy of both sides), military personnel need to provide a photocopy of military ID;
2. Work certificate:
It can be the original work certificate issued by the unit where you work (please specify the specific company Name, department, position and income, and stamped with the company seal or personnel seal), or a photocopy of the work permit/plate;
You can optionally provide the following information: Financial proof can be a bank salary record , or income tax withholding certificate, or files proving the market value of houses, cars, deposits and investments (such as photocopies of real estate certificates/car driving licenses/bank time deposit certificates) and other materials that can prove your financial level.
Other files available for reference include: social insurance personal account list in the past 6 months, water and gas bills, credit card bills from other banks, etc.