If the credit card (debit card) audit result of China Merchants Bank is unqualified, it is mainly caused by the following reasons:

1, the credit does not meet the requirements.

To apply for a credit card (debit card) of China Merchants Bank, you must have good personal credit. There are bad records in personal credit records, including bank loans overdue, overdue online loan and overdue credit card (debit card), and the credit card (debit card) will not be approved.

2, the age does not meet the requirements

Different types of credit cards (debit cards) of China Merchants Bank have different age requirements for applicants. If the hard age condition does not meet the requirements, it is impossible to apply for a credit card (debit card).

3. Insufficient repayment ability.

To apply for a credit card (debit card), you need a stable income and job. For freelancers, you need to submit relevant financial certificates. If the above two items do not meet the requirements of the bank, then the bank will think that the customer's personal qualifications are not enough, thus rejecting the application for credit card (debit card).

What is the solution to the failure of China Merchants Bank's credit card application?

When the credit card application fails, you can improve the approval rate by modifying the following information:

1. Annual income: it is an important standard. When issuing a salary certificate, you can ask the supervisor to raise the salary appropriately, of course, not too high.

2. Position: The position in the company directly affects the success of credit card application, and half of managers will apply more easily than ordinary employees.

3. Housing: It is easier to successfully apply for your own house than to live with your parents or rent a house and dormitory.

CreditCard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.

Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay;

A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Why do I fail to apply for China Merchants Bank credit card every time?

If you apply for China Merchants Bank credit card, the review is a comprehensive evaluation of the system, and there will be many reference factors, such as work, income, stability, personal credit, etc., which are not determined by unilateral factors. Perhaps the information attached to your application did not fully show your personal situation, which led to the failure of your application. In addition, the domestic personal credit information system is not perfect, and all banks will pass the internal evaluation when reviewing credit cards, and the standard setting will be different. Because the credit standard and scoring standard are confidential within the bank, the risk-related factors cannot be announced to the public, which you can understand. You can call 800-820-5555 to request re-inspection. I hope you can provide us with more reference materials. If you don't want to attach more information at present, you can reapply 3 months after the first application.

There are many reasons why the credit card application failed to pass the examination:

First, the applicant's repayment ability is not enough.

The applicant's insufficient repayment ability will involve two aspects. One is the income of the applicant. If the applicant's income is too low and exceeds the bottom line of credit card issuance, CCB will refuse.

On the other hand, it is whether the job of the candidate is stable. Many applicants have high incomes, but due to unstable income sources, such as self-employed, CCB will worry about the future repayment ability of the applicants and may not approve them.

Second, the applicant's credit record is not good.

The applicant's credit record will also be an important reason for the failure of credit card approval. No matter how high an applicant's income is, how many jobs he has, or even how many assets he has, if the applicant's credit record is poor and there are many overdue records, CCB will think that although the applicant has the repayment ability, there is the possibility of overdue default. That is, you can repay the loan, but you don't. For banks, such cardholders are not more valuable than those who have no repayment ability, so it will also lead to the failure of CCB's credit card approval.

Three. The applicant has no local card-issuing bank outlets.

Although CCB is not clear when applying for a credit card, applicants in some areas are not allowed to apply for a card. However, according to Bian Xiao's investigation, CCB will directly reject the application information that there are no bank outlets in this area when approving credit cards.

Fourth, there are too many credit cards.

If the applicant holds too many credit cards, CCB will look at the overall credit limit of the credit card he currently holds and whether he can repay the new credit card compared with his income. For example, although the applicant's monthly income exceeds 1 10,000 yuan, but he already has three or four credit cards with tens of thousands of yuan, CCB will think that the applicant's comprehensive credit ability has exceeded, and there will be a risk that the card cannot be returned.

Why did China Merchants Bank's credit card application fail?

I applied for the credit card of China Merchants Bank, and I have planned how to use it. Everything was arranged to wait for the card, but I was told that the application was rejected. Why did China Merchants Bank's credit card application fail?

1. If it does not meet the requirements, the credit card applicant of China Merchants Bank should be 18~60 years old (foreigners are 25~60 years old), have certain economic ability and have a good credit record.

2. Personal credit information is tainted, such as other bank loans in the early stage, overdue repayment of credit cards or even failure to pay them back.

3. Incomplete information, China Merchants Bank credit card needs to be prepared: copy of application form and ID card (foreigner: passport and residence permit or employment permit; Taiwan Province people: Taiwanese certificate, employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit) and the work certificate issued by the unit.

The above is the introduction of why the credit card application of China Merchants Bank failed, and I hope it will help.

This is the end of the introduction of China Merchants Credit Card's unqualified audit.