Credit card applications are always rejected. You obviously have good conditions in all aspects, so why are you rejected? In fact, banks will pay attention to many details when reviewing the qualifications of credit card applicants, such as the working years of the card applicant.

How to fill in the working years for a credit card?

The editor and my new colleague Xiao Wang applied for a credit card together. The bank staff said that the card will be 15 to 20 years old. It can be done on working days. Half a month later, the editor received the card from the bank, but Xiao Wang did not receive it. Everyone was puzzled. What did Xiao Wang go wrong?

A few days later, Xiao Wang once again found the bank staff who applied for a card for him. The result was that the application was not approved, and Xiao Wang was temporarily unable to apply for a credit card from the bank. Although the bank did not point out a clear reason for the rejection of the card, the staff concluded that it was most likely that Xiao Wang had been working in the company for too short a time, and when filling in his working years, he wrote less than 3 months.

As a for-profit institution, the most essential purpose of issuing credit cards is to obtain profits. The applicant may not have much personal savings during the working period, and may be unable to repay on time after overdrafting the credit card. The bank Not willing to take such risks. New card applicants who have been employed for less than half a year can appropriately increase their working years to more than half a year when filling out the credit card application. Pay attention to keeping the information consistent during the return visit to the bank.

Generally, when banks review the working experience of card applicants, more than half a year is the minimum threshold. If you have been employed in the company for less than half a year and fill it out truthfully, the chance of your card being rejected by the bank will be very high. Don’t be too hasty when applying for a credit card. You can also wait until your job is stable before applying.