Extended data
1. Reasons for rejection of credit card application due to insufficient comprehensive score:
1, personal qualification:
Including age, occupation, education, marriage, household registration, etc. For example, the credit card to be applied for is only for a certain group of people, and the application age is specified.
2, the nature of the work:
Including the nature, working years and position of the applicant's work unit. For example, ordinary employees who work in some private enterprises with short working hours will get lower comprehensive scores.
3. Income:
Banks will not only look at the applicant's monthly salary, but also look at whether he has other income and personal fixed assets. If the salary is low, there is no other income, and there are no assets under the name, the comprehensive score will definitely be low.
4. Credit status:
The bank will focus on evaluating the applicant's overdue credit information, loan information and inquiry records. In addition to overdue, too many hard queries will also affect credit and the comprehensive score will be reduced.
Second, where can I borrow money if my comprehensive score is not enough?
1. If the comprehensive score of users is insufficient, you can try to apply for offline loans or mortgage loans.
2. The comprehensive score is the score given by online loan to evaluate the comprehensive credit status of users. If the comprehensive score is low, the loan is relatively difficult. Different lending institutions have different auditing standards for offline loans, and users have a certain chance to pass the loan audit. In addition, loans can be mortgaged, but the lender needs to provide certain real estate and automobile products as collateral. Different loan review standards are different, users can try to apply for more loans, but the premise of applying is that the loan conditions must be met.