Many cardholders encounter situations where their credit card is not approved. It’s not because your application conditions are poor, but because you don’t understand the bank’s scoring rules for card approval. Today I have compiled eight points for you to help you understand the credit card evaluation system. Many small details may directly determine your success or failure.

1. Depends on age. Young people actually don’t have much sense of security in banks. The older ones have a greater sense of responsibility and will not spend money carelessly or fail to pay back the money. Therefore, older people have relatively higher assessment scores. Generally, the age for applying for a credit card is between 18 and 60 years old. If you do not meet the basic age requirements, it is normal that the credit card will not be approved.

2. Repayment ability mainly depends on income. As long as it meets your position, the higher your salary, the higher the score. The proof of work and income provided must be stamped with the official seal of the company to ensure Authenticity. If you are unable to get approved for a credit card, repayment ability is the most important factor.

3. Look at your job. Generally speaking, those who open their own companies or are business owners will have higher scores than those who work for others or those who have no professional skills. Additionally, stable jobs score higher than jobs with high turnover.

4. Having a fixed landline. Generally, people who have a fixed landline indicate that your work in the company is stable and your credit risk is small. Your score will be higher when the bank reviews your card application qualifications.

5. Residence time The length of time you have lived in this place is also a reference. The longer you live, the more stable your work and life situation are, your income will also tend to be stable, and the risks will be relatively small.

6. Provide additional proof of financial resources. If the applicant has real estate, such as a car or a house, it shows that he or she has the ability to repay debts, and the bank will have a high score, so there is no chance that the applicant will not be approved.

7. Do you have many bank cards? Generally speaking, people with many bank cards have more contacts with the bank, have more liquidity, and bring greater benefits to the bank. This type of person will have an easier time getting passed when applying for a credit card because you are more likely to generate income for them.

8. Good credit record