Why the credit card application failed to pass the review

Whether the application for a credit card can be successful depends on the applicant’s own conditions and the bank’s “needs”. Sometimes the personal conditions are good, but the bank's card issuance task for the year has been completed, so the credit card application may be rejected at this time, so the rejection of the credit card application may only be caused by a small factor. If your credit card application is not approved, will it affect your credit record? What impact will it have?

If your credit card application is rejected multiple times, it will have negative consequences!

Every time you apply for a credit card, including the second card of most banks, the bank will check the applicant's credit record, and there will be an additional query record of "credit card approval" in the credit report. For example, if you apply for credit cards from 3 banks in a short period of time, your credit report will have 3 query records. When you apply for a credit card from a fourth bank, the fourth bank will also query your credit record, and you will find that there have been 3 inquiries recently. The credit card application is recorded. If there are multiple credit card application records in the past, but no credit card approval is passed, then there is a high probability that the credit card application from the fourth bank will also be rejected. Why?

Applying for a credit card multiple times in a short period of time will make the bank feel that the applicant may be short of money or have other impure motives for applying for a card. In addition, it would be very dangerous if multiple applications for a credit card are rejected. It may be because the applicant has certain risk issues. In order to avoid risks, later banks may not do other reviews and reject them directly, which can also save time.

After a credit card application is rejected, what should I do with subsequent applications?

1. Don’t apply for credit cards from the same bank frequently, because rejection is likely to be due to the applicant’s unsatisfied conditions and it is impossible to improve in a short period of time, so it is best to wait 3 months or even longer before applying again. .

2. If your application for credit cards from multiple banks within a short period of time is rejected, it will also take a few months before you can apply for credit cards from other banks.

3. If your conditions are not good enough, do not apply for multiple banks at the same time. For example, if you have no house, no car, no social security, and your salary is cash, you should apply for more than 4 banks at the same time within a month. If you have a bank credit card, the approval rate is very low.

Why did the credit card application fail to pass the review?

According to the risk report issued by the industry last year, the credit risk of banks has increased again, many of which are caused by overdue credit cards, overdrafts, and cash outs. Therefore, even if the bank strives to develop new customers, it will review the users who actively apply for processing. If they do not meet the requirements, they will immediately reject them.

Basically, credit card rejections are due to the following reasons:

1. Having a bad credit record

2. Applying for too many cards

4. No stable job income

There are other reasons why the application is rejected or failed, as follows:

Application It is right to provide as much asset information as possible when applying for a credit card. The key is that the information must be accurate and complete. Showing the real estate certificate and vehicle driving license refers to the real estate and vehicles belonging to your name, not your parents; the employment certificate must have the official seal of the unit, and clearly indicate the company name, department, and position; the relevant contact number must be accurate and cannot be filled in blindly. The bank will actually call.

Employment certificate is an important document that proves the applicant’s repayment ability and determines the success or failure of applying for a credit card to a large extent. Banks restrict the issuance of cards to certain groups of people, mainly those engaged in the service industry, freelancers and self-employed individuals without a business license. For example, jobs in bars, KTVs, supermarkets, restaurants, etc. are subject to large changes and unstable income. Banks question their long-term repayment ability. In addition, if you are in the financial or investment industry, you may be rejected, because banks will consider this industry to be more risky. In this case, you can change your job position. It is better to write as an ordinary employee, but do not use it when checking bank credit. If it is exposed, it will not be approved if it is fake.

Some people think that since the probability is small, they should increase the base number and submit applications to multiple banks at the same time. Little do they know that this is the reason for rejection. The bank will suspect that you have a malicious tendency to overdraft and refuse to approve it. Some people go all the way and apply for the same card repeatedly, only to be rejected repeatedly. In fact, after a credit card is rejected, it is best to apply again after three months. Unless you can provide more favorable information, the bank will think that your short-term situation will not change and reject the application again.

The return phone number is very important

When the bank is reviewing the application materials, it will conduct a follow-up visit to the applicant and the relevant contact person (unit). If the number you filled in is inaccurate or the number is not commonly used, , the mobile phone was not turned on and therefore did not receive a return call; you were not familiar with the information you filled in, and your answers during the return interview were very confusing; the contact person you filled in did not know anything about your card application, and you were confused in front of the bank. If the application is rejected, you won't be able to escape.

The bank will investigate your 24-month repayment record when approving the loan. If you have been overdue multiple times or still have unpaid debts, the rejection is a sure thing.

Credit cards that are directly approved without review

1. It usually takes one month to apply for a credit card online through CCB’s credit card homepage. If you apply online for the first time and do not verify the online banking shield, The review time is 20.

2. 1 Generally, if you apply for a credit card online, banks will give you a credit check call. If you don’t want to apply for a card, you can cancel the credit card application through this link.

3. The 2022 new credit card partner platform Duoduo card application is online! 200 no-threshold joining places are open for a limited time! Official cooperation channels of more than 20 banks, safe and guaranteed, available at any time.

4. 1. Advantages: The operation of applying for a credit card online is relatively simple, and the review speed is relatively fast. Although it will take a certain amount of time during the express delivery process, but overall it is still good.

5. However, if you already hold a credit card from the issuing bank and apply for another credit card online, the card will generally be approved directly after approval, and there is no need to go to the counter again for the first application.

6. Let me check for you. The limit of Shanghai Pudong Development Bank’s regular credit card is within 10,000 yuan, the limit of gold card is between 10,000 yuan and 50,000 yuan, and the limit of platinum card is within 10,000 yuan. More than 50,000 yuan, I hope I can help.

7. Kaxun.com Credit Card Center provides you with online application and processing services for credit cards from major banks across the country. Here you can view the credit card application conditions and application guides for major banks across the country, card rights and interests charging standards, annual fee policies, etc. Make you better.

8. 1. Select the bank App where you want to apply for a credit card online. 2. Click "Credit Card Online Application" and select the bank credit card to be applied for and the region. 3. Select your favorite card type and fill in the appointment application information.

9. Apply for a credit card online. The first credit card in the country that automatically accumulates Ctrip points for consumption. The dual-card-in-one points are combined and you will get comprehensive sea, land and air insurance with the first swipe. You can enjoy domestic all-weather emergency rescue limited gold card nationwide 3000 upon opening the card. Shops with endless discounts.

What should I do if my credit card is not approved? Take a look at this guide to apply for a credit card

Many people realize the importance of credit cards and apply for them. After all, it is great to have a credit card by your side when you have no money. But credit cards must be approved by the bank before they can be issued. Many people don't know what to do if they don't get approval. Here, let’s briefly introduce the correct response method.

What should I do if my credit card is not approved?

In fact, when a credit card has not been approved, the most important thing is to find out the reason for the rejection. Many people call customer service and only give a perfunctory "the overall score is insufficient". This is actually mainly because It is caused by two aspects, namely poor credit report and insufficient repayment ability.

1. If the credit report is bad, it cannot be changed in the short term. After all, the bad credit record will not be eliminated until it is kept for 5 years. No one has the right to modify the credit report. If it is currently overdue, it is best to The key is to pay off the outstanding balance and wait for about 3 months before applying for a card. If the credit card is overdue for three to six months in a row within 2 years, don’t bother until the bad credit is eliminated.

2. If the repayment ability is insufficient, it is best to check the credit report and calculate the personal debt. If the debt ratio exceeds 50%, pay off part of the debt first. If there is any debt that is not commonly used, For credit cards, you can choose to cancel according to actual needs, and then appropriately lower the card application level. For example, if you originally wanted to apply for a platinum card, you can apply for a gold card first, etc.

After finding the reason, you still have to choose the bank to apply for the card and the channel to apply for the card. It is recommended that you do not keep applying with the same bank after being rejected. You can change to a bank with a slightly lower threshold. If you have good financial strength and have real estate, cars, financial products, etc., you can directly apply for a card through the branch. Ordinary office workers can try it. Apply online for a card.

What should I do if my credit card is not approved?

As more and more people apply for credit cards, many people have applied for credit cards, but many people have not been approved when applying for credit cards. So what should I do if the credit card is not approved? Let’s take a look.

1. Bad credit report: A bad credit report cannot be changed in the short term. After all, bad credit records will not be eliminated until they are kept for 5 years. No one has the right to modify the credit report. If there is an overdue credit report, the last It is best to pay off the outstanding balance and wait for about 3 months before applying for a card. If the card is overdue for three to six months in a row within 2 years, the application will be rejected.

2. Excessive debt: If the credit card approval is not approved due to excessive debt, the system will consider the applicant to have insufficient repayment ability. If the debt ratio exceeds 50%, the debt must be paid off first. Part of it is to lower the card application level appropriately. For example, if you originally wanted to apply for a platinum card, you can apply for a gold card first, etc.

3. After finding out the reason for failure in credit card approval, you can apply again after a period of time, and do not apply at the same bank after being rejected. You can apply to another bank. If you have good financial strength, you can directly apply Apply for the card through the online store.

The above is what I found for you about what to do if your credit card is not approved. I hope it can help you.

What are the credit cards that will be approved directly without review in 2022

There are Yuexiang Platinum Credit Card, Huyou Ping An Card, Industrial Peach Blossom Gold Card and CITIC Bank Yan Card-Red Card. The above order is for application. The difficulty ranges from easy to difficult, please consider it comprehensively according to your own situation. It is recommended to apply for at least three cards at one time to avoid being rejected. Special reminder that the application conditions for credit cards are: citizens of the People's Republic of China (excluding Hong Kong, Macao and Taiwan) who have branches in the area where they work or live, have full capacity for civil conduct, have no bad credit records, and are engaged in occupations with stable income and non-prohibited promotion. ), the age must be 18^65 years old (inclusive) Hong Kong, Macao and Taiwan and foreigners must be 25^65 years old.

This concludes the introduction to credit cards that do not require review and whether there are credit cards that do not require review. Have you found the information you need?