The following is a summary of some rejected applications:
1. Reasons for rejecting research application
After the application card is rejected, the bank will not tell the customer the reason for rejection, but will only say that the comprehensive score is not enough and will not return the application materials to me. This is an industry norm. The applicant can analyze the reasons for rejection according to the information provided.
2. Choose the appropriate card type according to your own conditions.
Learn more about the application conditions of the credit card you choose. If you don't meet the requirements, you'd better apply for other types of credit cards or other banks.
3. Provide detailed application materials.
If the submitted documents are incomplete, the permanent address is not provided, the fixed residential telephone number of the person or his immediate family members or siblings is not provided, the required (supplementary) time, income/work certificate and property certificate are not up to the requirements, the application may be rejected again, which requires the cardholder's attention.
4. Pay attention to answering credit calls.
Some banks will patiently conduct multiple telephone calls, and one or two missed calls can make up for it; Some banks may fail to answer the credit card application once, so pay attention to answering the credit call after submitting the application.
Step 5 choose a formal institution
If you apply for a credit card at an informal intermediary or roadside application point, you may have met a black intermediary. If you apply for a card again, you must choose formal institutions such as bank outlets and I love card websites to submit applications.
6. Don't do cards frequently and intensively.
Frequently applying for credit cards (for example, applying for multiple cards a month) will be regarded as high risk by some banks, but not all banks have similar situations, and it may depend on the situation.
7. Pay attention to personal credit records
If it is rejected for many times, it is recommended to check the personal credit report with my ID card at the Credit Information Management Office of the local People's Bank.
I hope my answer can help you. If you know someone in the bank, just ask him directly.