Insufficient overall credit card score means that the credit card applicant’s comprehensive credit profile does not meet the bank’s card application requirements. There are many factors that affect the comprehensive score, including: marital status, technical title, job, financial ability, personal housing, credit record, and education, etc. The sum of all scores is the so-called "comprehensive score." An insufficient overall credit card score means you cannot apply for a credit card.

Methods to improve the overall score of credit cards

1. Have a stable job income: have a good workplace and work for more than 2 years. When applying for a credit card, the bank will consider the applicant's repayment ability, that is, if the credit card money is used, whether there is money to repay it when the time comes is based on the work situation.

2. The credit record must be good: the most important thing is that there should be no overdue payments, and both loans and credit cards must be repaid on time. If there has been an overdue application recently, you will need to wait 6 to 24 months before applying again, depending on the severity of the overdue application. The specific strictness of credit card approval varies from bank to bank, so you can consult bank staff for details.

3. Don’t have too high debt: As long as high debt is reflected on the credit report, the bank is likely to reject the credit card application with one vote.