Bad credit records may be credit cards or loans made by others with your ID card, and you don't know many things yourself. Look at this.
Also, don't apply frequently, and apply again in a few months. It should be easy to get a card in any bank with a stable job, social security and a work certificate with no bad record.
Question 2: Why do so many people ask if they want to get a credit card? To apply for a credit card, you must be at least 18 years old and have a stable income or other financial proof that you can apply for a credit card.
Credit card processing conditions:
At least 18 years old;
Need my second-generation ID card;
A work certificate and income certificate stamped with the financial seal of the unit;
No bad credit record;
Other financial certificates, such as real estate, cars, stocks, bonds, etc.
Credit card application process:
Fill in the application form;
Information of the bank itself and a copy of the information;
The bank sends it to the credit card center;
The credit card center conducts audit, business card printing and card issuance;
After getting the card, I opened the card and waited for the password letter.
Question 3: Why can't I always apply for a credit card? I work in a bank. I applied for many credit cards for others. In fact, sometimes things like you will happen for three reasons: First, the amount you applied for is too high, and you have already filled out that you will not accept other amounts, so it will not be approved. Two: There is something wrong with the information you sent, but after repeated applications, the possibility of this problem is relatively small. Three: You said you didn't have a bad record, so did you ask the bank staff to check the credit information system for you, or did you guess for yourself? Because one of my clients also said that he had no bad record, but in fact he gave a friend a loan guarantee, and his friend didn't pay it back in time, so he also had a bad record.
Which bank did you apply for? If it belongs to the four major state-owned banks, you can also try some smaller banks such as China Merchants. The examination and approval system of the four major banks is relatively strict, so it is much easier for small banks.
Besides, did you apply online or go to the bank for an interview? If you apply online, the car and house you mentioned are basically conditions that cannot be submitted, and it is normal to be rejected.
Question 4: Why can't I get a Bank of Communications credit card? Hello, please note when applying for a credit card:
1. was disqualified from issuing cards.
Many users did not read the application conditions carefully when they applied for the card. Many credit cards have application conditions, such as student card, female card (boring building), membership card or age limit, which will directly lead to the rejection of card application.
2. Less application materials.
Applicants must pay attention to the authenticity and integrity of the application materials, which is an important basis for banks to approve cards. This information is especially important when applying for a credit card for the first time.
For example, if you have a house and a car, you can submit the approval documents such as the purchase contract and vehicle driving license. If there are only simple materials such as a copy of the ID card, the probability of passing is very small.
3. Have a bad credit record
After receiving the credit card application, the bank will check the applicant's credit record through the credit information platform. If the credit record is good, the credit card is more likely to be approved.
4. The bank score is not up to standard
Banks use a scoring system to automatically score users. Only when the score specified by the bank is reached can the card be approved. If it is not reached, the card will be rejected. The user receives the notice that "the comprehensive score is insufficient and the card issuance is rejected", which refers to this score.
5. Encounter a black intermediary
Try to choose a formal banking institution when applying. Many intermediaries and some roadside card offices collect money to defraud money and user information, and cannot approve cards.
How to avoid unsuccessful credit card application;
1. Choose the appropriate card type according to your own situation.
Learn more about the application conditions of the credit card you choose. If you don't meet the requirements, you'd better apply for other types of credit cards or other banks.
2. Provide detailed application materials.
If the submitted documents are incomplete, the permanent address is not provided, the fixed residential telephone number of the person or his immediate family members or siblings is not provided, the required (supplementary) time, income/work certificate and property certificate are not up to the requirements, the application may be rejected again, which requires the cardholder's attention.
3. Pay attention to answering credit calls
Some banks will patiently conduct multiple telephone calls, and one or two missed calls can make up for it; Some banks may fail to answer the credit card application once, so pay attention to answering the credit call after submitting the application.
Question 5: Why did the credit card audit fail? This is why you don't have enough information. Try another bank, preferably a joint-stock bank. After all, it's not state-owned
Question 6: Why can't I get a credit card? There may be several reasons why the credit card can't be done:
1, the income can't meet the basic conditions for card processing;
2. The identity document does not meet the requirements of the joint card;
Yuanbao has bad credit records such as outstanding loans and overdue card debts.
If none of the above is true, you can directly consult the bank applying for a credit card.
Question 7: Why not apply for a credit card? Well, it has nothing to do with your age, because it is not a problem to give you a little money when you are young.
Rejecting you is mainly
Look at your previous credit history, such as past overdue.
Second, depending on whether you are a regular worker in your unit, some temporary workers are not allowed to enter.
Third, look at the amount you apply for. If it is too high, it depends on your personal assets or guarantee. In your case, generally state-owned banks can pay 30,000 to 40,000 yuan, and commercial banks can get 50,000 or more.
You can directly contact the business manager of the card bank to ask. He may not tell you directly, but you can ask a clue.
Question 8: Why not apply for a credit card? Do you have a criminal record of owing money to the bank and not paying it back? Is it 6000 or a larger salary? As for whether there is a blacklist, we can know it in two ways. One is to ask the credit card salesman to help you find out why you were rejected, and the other is to call the customer representative of the bank to find out if you were rejected because of the blacklist.
Question 9: Why is credit card processing always unsuccessful? Credit cards are evaluated according to customers' age, occupation, income and so on.
Question 10: Why can't I apply for a credit card? I've been rejected six times. It's no use. China Merchants Bank is very strange. Sometimes many people meet the requirements, but they are all rejected, but many people apply casually. Our company applied collectively for several times at the same time, but all of them were rejected, including our manager who also called the credit card center, but they couldn't explain clearly, obviously all the conditions met. We applied for other credit cards, and all the gold cards came down. Don't listen to their bluff that they can apply tomorrow if they are rejected today. You must wait more than three months before applying, and it is best to update the information. The cards of Guangfa Bank and Minsheng Bank are good and easy to handle, and the cards of Bank of Communications are also good. I have these lines.