Maybe you have a loan, and the bank decides that you need to repay the loan every month, so it won't give you a credit card. It will be easier if you use a credit card first.

First: there is a record of overdue credit.

Applicants with overdue mortgages and car loans, or applicants who already have credit cards, will basically not successfully apply for cards if they have serious overdue records in the past, or if they have illegally cashed in or used their cards.

Second: the income is too low or unstable.

If the income is too low or unstable, the bank will think that there is not enough repayment ability. In this case, I will give you a card, and he is worried that you will not pay it back, and then increase the bad debt rate for the bank.

Third: high-risk industries.

At present, banks also have certain restrictions on high-risk industries such as real estate, mining, microfinance, investment guarantee and p2p online lending.

Fourth: the entry time is too short.

In particular, many college students who have just left the society feel that this group is at great risk because of their lack of work experience, high turnover rate, unstable work and short entry time.

Fifth: Credit information is too frequent.

A partner showed me his credit report the other day. Recently, in just 1 month, I actually checked the credit information for nearly 20 times. Too often, it will give the bank a feeling that you are short of money and in urgent need of money, so you will go crazy and get a credit check. Because banks like icing on the cake, the less money you have, the higher the risk factor, and they dare not give you a card.

Sixth: Change your mobile phone number or residence address frequently.

Every time you apply for a card, you often change your address, mobile phone number and company, giving the bank an impression that you are unstable, which indirectly means that your income is unstable.

Seventh: the information is incomplete.

Incomplete application materials; The applicant fails to provide the basic documents; The documents provided by the applicant do not meet the acceptance criteria.

And many other factors.

Whether a credit card can be approved or not is affected by many factors: I often hear the bank say that your comprehensive score is not enough, and you will not apply for a card or raise the amount.

Comprehensive score: including industry big data (industry), education and professional title, marriage, children, house, car, income level, other assets, liabilities, age, overdue credit, household registration (local or foreign), housing location and many other factors.

So give the bank a feeling that we have strength, lend me money, reassure him and make money from me! If you don't want to apply for a card, please plan ahead, otherwise you will only be rejected!