After all, banks will evaluate various aspects when approving credit cards, including age, education, marital status, residential address, work unit, income level, liabilities, repayment ability, assets and credit status.
If there is a credit problem and there are bad records in the credit investigation, then only after that can you take good care of your credit, and when your personal credit is improved, the new good records will gradually cover the old bad records. After the credit information is repaired, you can apply for a credit card.
If there are too many credit cards and loans in your name, resulting in high personal debt ratio, you can try to pay off the debt first or pay off part of it first, and then apply for a credit card after reducing the debt ratio.
Also, if the bank is worried about its insufficient repayment ability because of its low economic income, then if it has additional assets, it can provide the bank with proof materials in this regard. When applying for a credit card, you should also consider whether the level of assets and financial resources required to handle the card is consistent with your own economic income, and don't blindly pursue the high level of credit cards.
Although many online loans do not have credit information now, each small loan platform has its own third-party big data credit information platform. If a company is overdue or fails to repay the loan, then the third-party platform it cooperates with will leave a record, and then you want to apply for a loan on other small loan platforms, which is basically difficult to pass. You can get a big data report on Changbai Data and know your big data status in time. It is an online loan big data query system that provides accurate and complete data information for online loan applicants.
Extended data:
What online loan big data can be loaned?
Big data "flower" or "black" means that your own network information is getting worse.
Because many people think that online loans don't have to be repaid, some people deliberately don't repay them after borrowing them, causing serious overdue, and finally they become what people often call "cyber black"; Others think that it is very convenient to apply for online loans. You don't need to call a contact person to apply all the time, which will easily lead to changes in big data. When you apply for a loan or a card in the future, you can refuse the application simply by "borrowing for many times".
Although these behaviors are not shown in the credit report, the third-party data platform has recorded these behaviors in the system, and it will be very difficult to apply for online loans in the future.