Take the credit card of China Merchants Bank as an example, the application review is comprehensively evaluated by the system, and there will be many reference factors, such as work, income, stability, personal credit and so on, 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. You can call our credit card center and ask for a 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.
What are the reasons for refusing to apply for a credit card?
The second refusal to apply for a credit card may be due to non-compliance with the conditions of joint card, incorrect information or insufficient comprehensive score of the applicant.
First, it does not meet the conditions.
To apply for a credit card, you must be at least 18 years old, have a stable income source and have a good credit record, which are the three most basic conditions.
In addition, banks will also put forward requirements for applicants, such as annual salary and assets. If the conditions are not met, the credit card application may be rejected.
Second, the information is wrong.
When you apply for a credit card, you need to fill in your personal information or submit relevant materials, whether you apply online or at the bank counter, so if the information you provide is wrong, you will probably be rejected when you apply for a credit card.
Third, the comprehensive score is insufficient.
Many people apply for credit cards because their comprehensive scores are not enough. This is because banks will not only look at personal credit, but also review and evaluate their marital status, education, housing, income level and property status. Finally, they will summarize and evaluate a comprehensive score. Only when the comprehensive score reaches the bank's card-handling standard can they apply for a card, otherwise they will be rejected.
Fourth, applying for credit cards or loans is too frequent.
If you have been applying for a credit card or loan, there will be many application records in the credit report, and the bank will also find these records during the audit, thinking that such people are high-risk customers, so the possibility of rejection will greatly increase.
Verb (abbreviation for verb) online credit card application
If you apply for a credit card online, because the channel card review process for online application will be relatively simple, the possibility of being rejected by the second is also quite large.
Why do I refuse to apply for a credit card every second?
Credit card applications are rejected for three reasons:
1, information check failed. Under normal circumstances, people who apply for bank credit cards will receive checked information, and the bank staff will ask the applicant where he lives, whether he has a house, whether he is working or a student now, and so on. At this point, the applicant should answer according to the information filled in when applying. If the applicant answers any questions falteringly, or the information filled in at the time of application is inconsistent, then basically the credit card application will not pass.
2. Social security payment failed. If the applicant has never paid employee social security, the chances of applying for a credit card will be greatly reduced, because the bank will think that the applicant has no formal job and a stable source of income and will not pass the application.
3. Credit problem. There are two kinds of credit problems: (1) If the applicant is read by the loan platform many times in a short period of time, or the applicant applies for more online loans or credit cards in a short period of time, the bank will think that there is something wrong with the applicant's capital chain at this time, and the total amount of the applicant's application has exceeded the debt capacity, so the bank will not pass the examination and approval in order to reduce the risk. (2) If the applicant has a bad credit record, or the applicant has malicious cashing in other banks, the bank will not approve the applicant to apply for a credit card.
1. In most cases, citizens with full capacity for civil conduct (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants. The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
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Why is the application for a credit card always rejected? These reasons are all possible.
Many people want to get a credit card to facilitate their later life, but every time they get a card, they want to know why. It's really annoying. In fact, credit cards are rejected for more than one reason. You can compare the following points to see what the situation is.
1, the application conditions are not met.
To apply for a credit card, you need to meet the basic card requirements, such as 18~60 years old, with a stable job and income. There are also some special card types and other requirements. If the application conditions do not meet, it will be rejected directly and there is no room for discussion.
2. The information filled in is incomplete or incorrect.
Whether you apply for a card at a bank outlet or online, you need to fill out an application form. Applicants need to fill in the above information carefully, and the bank will evaluate the qualifications of applicants according to the basic information filled in. If the information filled in is incomplete or inaccurate, the bank has the right to refuse for a moment. So when applying for a credit card, don't be confused by this.
3, personal debt is too high.
If you apply for a credit card, you will check your credit information. If you currently have housing loan, car loan, credit card overdraft investment, etc. If the overall debt ratio is too high, especially above 50%, it will make the bank think that the applicant does not have the ability to repay, and it will basically be cold.
There are many overdue credit reports.
This is a serious delay. No matter which bank you apply for, your credit card will be rejected. The bank will consider the risk of handling the card, and will refuse it directly if it is overdue for too many times. Too many inquiries can also lead to the rejection of credit cards.
5. Use cards in different places
To apply for a credit card, it is usually required to have a card issuing outlet in the place of residence. However, there are often card friends who live or work without bank outlets, so they will choose a nearby city to do the card. If the bank finds out, it may be rejected. Even if you pass the preliminary examination, you may not be able to pass a visa in different places.
This concludes the introduction of how to apply for a credit card at the age of 20 and how to apply for a credit card at the age of 20. I wonder if you have found the information you need?