Although CCB is a state-owned bank, in fact, the threshold for applying for a credit card is not very high. Many small partners have successfully passed the examination of the card, but some users have been rejected. After the application was rejected, what everyone wants to know most is nothing more than the reason. After all, finding the reason can solve the problem. Then what is the reason why the application for CCB credit card was rejected? There must be something wrong here!

At present, there are many credit cards in CCB, and different types of cards have different requirements for users' qualifications. If you apply for high-end credit cards, you must ensure that you have enough financial resources. Such cards will have higher requirements for users' financial resources, which is often difficult for ordinary wage earners to pass. In addition to the choice of card type, it is more due to the qualification of users. Unlike commercial banks, state-owned banks have strict requirements for users' credit reporting, and will take credit reporting as the main reason for the rejection of audit. If there is a problem with the user's credit information when applying for a CCB credit card, and there has been a serious overdue behavior in the last two years, it will easily lead to the rejection of the application. Or in the last six months, there has been a problem of frequent loan application, which has led to the change of credit data and reduced the pass rate of card application. After ensuring that there is no problem with credit reporting, everyone needs to have sufficient repayment ability.

When applying for a CCB credit card, you often need to submit your own proof of work income. If you are engaged in unstable industries such as sales, or your income is relatively low, even 3, yuan, it will have a certain negative impact on the credit card review. However, a small partner who does not have a stable job can prove the repayment ability by submitting the fixed assets under his name, which can have the same effect. However, if you don't have a stable job and no fixed assets under your name, you can't let CCB recognize your repayment ability, which will lead to the rejection of your credit card application. In addition, if the debt ratio of the small partners who usually use loans exceeds 5%, it will also affect the repayment ability, which will lead to the rejection of the card application.

basically, the main reasons that lead to the rejection of your card application are the above. You can find the reasons according to your actual situation and then make targeted improvements.