Will a credit report be filed if Ping An Credit Card is refused payment immediately? It will have a certain impact

Although the threshold for Ping An Bank's credit cards is not very high, there are still many cardholders who do not meet the qualifications and are rejected immediately. They are worried that the rejection of the credit card will be recorded in the credit report, which will be harmful to individuals. Credit has an impact. If you also have this question, you might as well take a look.

Will a credit report be filed if Ping An Credit Card is refused payment immediately?

In fact, if you have similar questions, the main reason is that you are not very clear about the contents of your personal credit report. The personal credit report is divided into three parts, including personal credit records, company records, and inquiry records. Among them, personal credit records and inquiry records are more important for credit card and loan applications.

The bank can check the applicant's successful credit card and loan status in the personal credit record, including application time, repayment status, overdue status, etc., but it cannot find the applicant's card application, application status, etc. Loan records; at the same time, check the inquiry records to see which banks or financial institutions have inquired about the applicant's credit report in the past three months, and the reasons for the inquiry.

So if your Ping An Bank credit card is rejected immediately, the bank or financial institution that checks your personal credit report later will only see the inquiry record of Ping An Bank and the reason for the inquiry in the inquiry record. It is "credit card approval", and the results of the card approval cannot be found.

Some people here may ask, since the credit card approval result cannot be found, how do banks or financial institutions know whether a credit card application is rejected or approved?

This is actually very easy to do. They will compare your inquiry record with the credit card account status in your credit record. If you don’t see the approval record of Ping An Bank’s credit card, then it is obvious to apply for Ping An Bank. The credit card was simply declined.

The above is the relevant introduction to "Can Ping An Credit Card be rejected in seconds?" All in all, although the rejection of Ping An's credit card will not be reflected in the credit report, other banks and financial institutions can also check the credit card approval status, so it will have an impact on the application of credit cards and loans from other banks.

Why are applications for Ping An Credit Card always rejected? Card gods have come up with suggestions!

It is common for people with poor credit to be rejected when applying for credit cards, but some customers with good financial conditions are also rejected when applying for credit cards. What is going on? A card friend complained on a forum: Why are applications for Ping An credit cards always rejected? Let's see how the card gods give him advice.

Card friend "Liang 184":

I have applied for Ping An Bank credit cards 6 times since last year, once every three months, but all of them were rejected. . I don’t know what customers Ping An needs. I have two cars, one is a Mercedes-Benz, and I bought insurance from Ping An. I earn 50,000 yuan a month and have medical insurance and social security.

Many cardholders expressed disbelief when they heard about such a card application experience.

Card friend "jmai311":

People who earn 50,000 yuan a month should kneel down and do it with you. How is it possible unless your previous credit is too bad.

Card friends:

Check your credit record. Credit is more important than assets, and you only apply for it once every three months. This is too frequent. You must wait at least half a year. Apply again.

Card friend "liuzihao159437":

It is recommended to apply for a Ping An debit card gold card first, and then go to a bank branch to apply for it.

Card friend "Can I still register?":

Same as me! I was approved by all the four major banks, but I was rejected every time by Ping An!

Card friend "zbc27919522":

Sometimes high-quality customers still have to be rejected. There is no way, and the bank has troubles from time to time.

Applying for a Ping An credit card is always rejected. If you ensure that your card application qualifications are OK, it is recommended that you choose another bank to apply for a card after being rejected. If you are stubborn and encounter multiple card rejections from the same bank, you will Don’t be too persistent if it affects your personal credibility.

Why is Ping An Bank’s credit card application rejected/failed?

In recent years, the credit card business of various banks has developed relatively strongly, and new credit cards are frequently released, accompanied by many exciting promotions. However, many people fail when applying for credit cards and cannot find the reason. Today I will analyze for you the reasons why Ping An Bank’s credit card application was rejected/failed.

Although the threshold for applying for a credit card is low, it is still possible for your application to be rejected. After all, if the bank gives you money for overdraft, you still need a certain risk assessment. If you find a bad tip, your application may fail.

If your application for a Ping An Bank credit card is rejected and you ask the bank for an explanation, you will usually get a reply like this: the personal overall score is insufficient. And the bank won’t tell you what the reason is!

The following will introduce to you some reasons why the Ping An Bank credit card application was rejected/failed. You can analyze and troubleshoot based on your own application situation.

1. Application information is incorrect or missing

The main reference for banks to review credit cards is card application information. If the application information you provide is incorrect or missing, this may directly lead to Your application was rejected.

2. Insufficient financial strength

Ping An Bank has a wide range of credit card types, including regular card, gold card, and platinum card. If you are just an ordinary office worker, applying for a card for the first time is If you want to apply for a platinum card, then you are obviously overestimating your capabilities, and it is normal for the application to fail.

If you want to apply for a high-level credit card, it is best to provide additional proof of financial resources, such as real estate certificate, driving license, deposit slip, financial management certificate, five insurances and one housing fund payment certificate, etc.

3. Bad credit report

If you have bad credit card usage records, such as overdue credit cards, credit card cash-outs, etc.; or have bad loan records, the bank will directly apply for a credit card for you. The verdict is "" and the card is rejected.

Why was my Ping An Credit Card rejected

The credit card application review is a comprehensive assessment. Generally, there are many factors that are referenced in the review, such as the nature of the customer’s work, education, Income, personal stability, personal social credit, use of other financial products and other aspects. The result of this review may be that the personal information provided during the application failed to fully demonstrate personal financial resources and personal social circumstances, which led to the failure of this application to pass the review. It is recommended that you reapply after 3-6 months.

This is the introduction to the rejection of Ping An Credit Card.