You can apply for a credit card if your overall score is insufficient.

1. How to apply for a credit card if the comprehensive score is insufficient?

The comprehensive score is a rigid condition for individuals to apply for a credit card. If the comprehensive score is insufficient, the application can only be done by improving the comprehensive score. The reasons for insufficient comprehensive score are generally insufficient age, limited occupation, unstable income, and credit problems. The methods to improve the comprehensive score when applying for a credit card are as follows:

1. Provide half-year income statement when applying for the card .

2. If you want to apply for a high-end credit card, you need to add some additional materials, including but not limited to real estate certificates, vehicle certificates, deposits or stocks, financial products and other certificates.

3. Make a time deposit directly at the bank where the card is issued. The higher the amount, the better.

4. When applying for a credit card, repeated applications from the same bank must be separated by at least three months, so do not rush to apply after being rejected for the first time. Don’t apply too much within one month. Every time you apply, your credit record will be checked. Too many inquiries will have a great impact on your re-application.

2. Reasons for rejection if the comprehensive score is insufficient

1. Large liabilities or current borrowings

(1) Liabilities: There were many overdue loans in the past, and liabilities Affect repayment ability, etc.

(2) There is a current loan: There is a current loan that has not yet been settled, or it has been approved but has not been withdrawn as required after a timeout.

2. Credit reporting fraud/credit reporting flower (this article is for online loans with credit reporting)

(1) Credit reporting fraud: Personal credit reporting has been in the recent past (mainly in the past six months) (within) there are multiple overdue, arrears and other bad credit records;

(2) Credit reporting fraud: there are too many “hard inquiries” in the credit reporting and very few loans are made, the borrower will regard the user as having failed to repay. payment ability.

3. Personal information is incomplete/untrue

(1) The required fields of the application form are not filled in

(2) The ID card does not meet the requirements of " "My second-generation ID card" conditions

(3) Work/address book/emergency contact, etc. are suspected of fraud

(4) Bank statements are not timely and authentic

4. The mobile phone touches the "thunder point"

(1) The mobile phone is not authenticated by the real name of the person or the authentication time is less than 6 months

(2) There are too many communication records Loan-related phone calls

(3) The location of the mobile phone is abnormal, for example: a person works in Beijing, but the location of my mobile phone number and the mobile phone number of my colleagues shows a remote mountainous area.

5. Enter the "online loan blacklist"

(1) If you apply for online loans too frequently, lenders will think that the applicant is extremely short of money and has poor repayment ability (frequent definition: 1 month > 10 companies)

(2) Online loans are overdue multiple times and non-payment of debts causes bad debts

(3) The third-party credit score is reduced due to the above reasons: Sesame points and Koala points

6. Review exceptions

(1) Review exceptions: Failure to cooperate with the review, or harassment, abuse, threats, etc. to platform staff.

(2) Identity verification exception: Failure to complete identity verification within the specified time, or verification failure, exception, etc.

(3) Contact abnormality: Contact communication abnormality.

(4) Unsatisfactory information review, duplicate contacts, etc.: wrongly filled in information, blurry, incomplete pictures, etc.