1, excessive debt
Solution: increase stable income and reduce monthly payment.
Debt ratio is an important factor in platform risk control. The ratio of expenditure to income exceeds 70%, and the rejection rate is very high. Therefore, it is best to return the amount in advance before the billing date to reduce the debt on the book.
2. The income is too low
Solution: fix the daily flow and increase the extra income.
The first thing the bank recognizes is the running water of wages! The amount remitted at a fixed time every month is the income stream. In addition, time deposits with additional monthly income can also increase repayment sources and greatly improve the pass rate.
3. Missed answering the phone
Solution: Take the initiative to contact the organization for telephone audit.
The last step of the telephone loan review process, don't miss or refuse to answer. I believe that many credit managers will give customers a vaccination in advance and pay attention to the answer. If they are busy, they should say yes to each other instead of refusing to answer.
4, ensure the back pot
Solution: If you guarantee for others and the loan is rejected, the first task is to let the first borrower repay.
Secondly, in order to get rid of the guarantee status, it is best to ask the borrower to reapply and replace the guarantor after paying off all the money, so as not to affect the loan progress.
5. Frequent loan applications
Solution: The consequences of frequently applying for loans are: too many inquiries, too high debts and too many credit reports.
General financial institutions determine that the entry threshold for applicants to inquire is no more than six loan/credit card applications within two months, and each application will be counted as a credit inquiry, so that financial institutions will determine that applicants are very short of money and refuse loans. The correct way is only four words: don't be greedy for cheap.
6. Bad credit report
Solution: repair credit.
A credit report is a dynamic record. Generally, the financial activities in the last two years will be recorded in the credit report, and the records in the last five years will be kept. If there are defects in the last two years, it is best to overlay them with new good records, but this is time-consuming. It is best to repay the loan on time every month in case the application is rejected.
The above is the introduction of the reasons for the rejection of credit cards. If this is the case, you can sit in the right position and see what needs to be improved.