How to solve the problem of insufficient comprehensive score when applying for a credit card? If you want to know how to solve the problem of insufficient comprehensive score when applying for a credit card, you first need to figure out where the problem is, and then you can prescribe the right medicine to solve the problem. Reason 1: The applicant has insufficient repayment ability. If the applicant does not have a stable job or the personal debt ratio is too high, the bank will consider that the applicant has insufficient repayment ability and the loan is likely to be overdue, thus rejecting the application request. Solution: Borrowers can try to provide more proof of financial resources, such as real estate certificates, debts and other assets, to show their ability to repay; settle part of the loan in advance to reduce their personal debt ratio; they can also choose those with whom they have business dealings Applying with a bank or depositing some funds in a bank can increase the card application rate. Reason 2: The applicant’s credit report is poor. If the applicant’s credit report has overdue loans or there are many hard inquiries on the credit report, the bank will think that the applicant’s personal ability to perform is insufficient and his cash flow is tight, and he will not be willing to apply for the card. Solution: If there is an overdue loan in the credit report, the borrower should settle the overdue loan in a timely manner to see if a non-malicious overdue certificate or settlement certificate can be issued, and actively demonstrate his willingness to repay and not malicious overdue loan. If your credit score is poor, then in the past six months, it is recommended that applicants do not rush to apply for credit cards or loan products, and wait until their credit score is improved before applying. Reason three: The applicant's information is inaccurate or the information is false. If the applicant submits incomplete application materials, wrong information, or provides forged information, the application will not be approved. Solution: Applicants must provide complete and valid application materials. Proof of income, employment certificate and other materials must be stamped with official seals. Do not falsify information. Make sure someone answers the call and the information must be consistent. The above is the answer to how to solve the problem of insufficient comprehensive score when applying for a credit card. You can compare it to see where you have problems and make up for it yourself.