Industrial Bank's application for credit card gold card was rejected, which means that the user's application materials are incomplete or do not meet the application standards, resulting in the failure of the audit. Users should review the application materials themselves to see if there are any supporting documents, and then reapply. Industrial Bank credit card gold card application instructions are as follows:
1. In most cases, citizens with full capacity for civil conduct (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
2. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
3. The application method for applying for the Industrial Bank credit card gold card is generally by filling in the credit card application form, which generally includes the applicant's name, basic information, economic status or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.
4. After the customer fills in the application form truthfully, submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , which must be signed by the applicant.
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Matters needing attention in applying for Industrial Bank credit card:
1. Pay attention to the charging standard of credit card annual fee and the rules of annual fee exemption.
2. Pay attention to choose the bank that suits you to apply for a credit card. Each bank's credit card withdrawal fee and cash installment fee are different, so you should know how to clear it when handling it.
You should apply for a suitable credit card according to your own needs. For example, credit cards such as MasterCard and VISA cannot be swiped on UnionPay POS machines. Generally, UnionPay single currency card or UnionPay dual currency card and other currencies are used in China.
4. You can't apply for cards frequently in a short time. Under normal circumstances, multiple credit cards of each bank share the quota (except for some products such as installment of China Merchants Bank), that is, multiple credit cards of the same bank cannot increase the total amount. If you need a high amount, you can only apply for credit cards from several banks to make up for it.
However, frequent card handling in the short term will leave a record on the credit report of each application. If the bank you apply for sees your application records many times in a short period of time, it will also doubt whether your financial situation is out of order and you need money badly, so it will be downgraded and downgraded. If you can approve 50,000 pounds, you may only get10,000 pounds.
Serious banks, such as Xingye, apply for other banks' credit cards too many times in a short time, and will directly refuse to sign their own credit cards. So in the short term, it is a waste of time to apply for more credit cards to pile up high quotas. It is generally recommended that the frequency of card use is 1-2 times a month, and no more than 8 times in half a year.