What to do if the credit card application cannot be processed

Solutions to the credit card application: 1. Find out the reason why the application cannot be processed; if it is because the requirements are not met, the applicant needs to follow the requirements Resubmit the application; if it is due to personal credit issues, the applicant can go to the bank to check or pay off the relevant debt. 2. Call customer service and ask them to help you check and re-apply. 3. Go to the bank and find the relevant staff to handle it.

1. Credit card, also called credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2. Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on Relevant Credit Card Provisions") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in Public Service Fields" was officially implemented.

3. Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

4. Application

Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

5. The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

6. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must Has the applicant's autograph.

What to do if the credit card cannot be applied for?

1. If the user cannot successfully apply for a credit card due to poor credit report, the user needs to settle the overdue balance. Then apply for a credit card after a period of time, so that the probability of getting the card is higher. And don’t usually click on online loan application links to avoid too many inquiries from credit bureaus affecting your credit card application.

2. If the failure is caused by incomplete information, the user needs to supplement or change the information in time. After changing the relevant information, users also need to submit some information that can prove their qualifications to improve their repayment ability and achieve the purpose of successfully applying for a credit card. In addition, users also need to find a bank whose threshold matches their own qualifications.

3. When banks review credit cards, they calculate the repayment ability based on the assets and liabilities of the card applicant. If the user has too much debt and is unable to pay his or her debt, the credit card will naturally not be approved. At this time, users need to maintain their personal qualifications, improve their income flow and work certificates. To develop a good credit record, it is best to keep it neither in vain nor in vain.

Origins of credit card products

1. The earliest credit card appeared at the end of the 19th century.

In the 1880s, the British clothing industry developed so-called credit cards, and the tourism and business sectors followed suit. However, the cards at that time could only be used for short-term commercial credit, and the money still had to be paid as and when used. Long-term arrears were not allowed, and there was no credit limit.

2. Credit cards are generally special carrier plastic cards with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name and other contents are printed on the front, and the name of the cardholder is printed on the back. Chip, magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

3. It is said that one day in the 1950s, American businessman Frank McNamara was entertaining guests for a meal in a New York hotel. After the meal, he found that he had forgotten his wallet and had to call his wife. Embarrassed by the thought of bringing cash to restaurants, McNamara came up with the idea for a credit card company. In the spring of 1950, McNamara and his friend Schneider invested US$10,000 to establish the "Diners Club" in New York, the predecessor of Diners Club. Diners Club provides members with a card that can prove their identity and payment ability. Members can use the card to record their purchases at 27 designated restaurants without having to pay cash. This is the earliest credit card. This kind of credit card that does not require bank processing is a commercial credit card.

How to solve the problem of being rejected when applying for a credit card?

How to solve the problem of being rejected when applying for a credit card?

You should find out the reason why you were rejected and then solve it

The first type of reason is the applicant’s basic information, such as under 18 years old, occupation that is restricted by bank credit cards, and insufficient information. Detailed, payroll information is not detailed, etc.

The second type of reason is the applicant’s credit situation, such as the applicant applying repeatedly, having an unstable job, having a bad credit record, and being unable to be contacted, etc.

The third category is other reasons, such as the liaison person not knowing or unwilling to be the liaison person, the applicant's health reasons, the liaison person not meeting the requirements, etc.

Generally, after your application for a credit card is rejected, whether you apply again at the same bank or another bank, the next submission must be made three months later.

1. Research the reasons for rejection of credit card application. After a credit card application is rejected, the bank will not inform the customer of the reason for rejection. It will only say that the comprehensive score is insufficient and will not return the application materials to the person. This is an industry standard. Applicants can analyze the reasons for rejection based on the information provided by iGo Finance.

2. Apply for a suitable credit card based on your own conditions. Understand the application conditions of the credit card you choose in detail. If you do not meet the conditions, it is best to apply for other types of credit cards or credit cards from other banks.

3. Provide detailed credit card application information. If the submitted file is incomplete, does not provide a permanent residential address, does not provide a fixed residential phone number for yourself or your immediate family members or siblings, does not provide a work phone number, or exceeds the requirements (supplementary documents ), if the time, income/work certificate, and property certificate files do not meet the requirements, the application may be rejected again, so cardholders need to pay attention.

4. Pay attention to answering the credit inquiry phone calls. Some banks will patiently conduct credit inquiry calls multiple times. Missing a call or two can make up for it; for some banks, missing a call once or twice may lead to the rejection of the credit card application, so submit Be careful to answer credit inquiries calls after applying.

5. If you choose another bank to apply for a credit card, if it is not due to poor credit history, being rejected at Bank A will not affect your application at Bank B. If state-owned banks pay more attention to local accounts and stable real estate. If you do not meet such conditions, you may consider applying for a joint-stock bank credit card.

Why have my credit card applications been consistently rejected?

If you are applying for a China Merchants Bank credit card, the most important condition is to have a stable job and income, and the required application file is a copy of your identity certificate. and employment certificate files. If you can provide other financial proof files, it will be more helpful for us to understand your personal situation and determine your credit limit. The credit card application audit is comprehensively assessed by the system. During this period, we refer to many factors, such as age, job stability, income, personal credit and other aspects.

Maybe your original application information did not fully reflect your true situation, which resulted in the application not passing. If the audit fails, our bank will send a text message to notify you on the 6th day. If the mobile phone number is abnormal, a paper return notice will be sent. letter. If your job or financial information changes in the future, you can re-submit the information and apply again after 3 months. I hope you can apply for a card successfully next time!

My application for a credit card has been rejected

If you are applying for a China Merchants Bank credit card, the application review will be comprehensively assessed by the system, and there will be more reference factors, such as work, income, and stability. , personal credit and other aspects of the situation are not determined by unilateral factors. It may be that the information you attached when you originally applied did not fully reflect your personal situation, which resulted in the application not being approved. You can reapply 3 months after your initial application.

My application for a credit card with too much debt was rejected immediately, what should I do?

You can apply by paying off the debt. The process at the counter is:

1. Go to the credit card application Go to a bank branch, or ask the staff at the local bank’s credit card center to fill out the credit card application form. The content of the application form generally includes the applicant's name, basic information, financial status or source of income, guarantor and his/her basic information, etc.;

2. Submit certain photocopies and certificates of documents to the card-issuing bank. ;

3. After filling in the application form truthfully, you must submit the relevant credit certificate together with the completed application form;

4. The application form is accompanied by a credit card. According to the contract, the applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a declaration of the authenticity of the information, the card issuer's privacy policy, etc., and must have his or her signature;

5. Credit card application process Basically completed, waiting for the credit card to be issued.

I have always been rejected when applying for a credit card in 1995

Hello, if you are applying for a credit card from our bank, the audit needs to be comprehensively assessed by our bank's system, and there are many reference factors, such as age. , job stability, income, credit history, etc. If the audit fails, our bank will generally send you a notification letter via regular mail within 3 working days. There is no email or SMS notification yet. If the applicant's job or financial information changes, he or she can resubmit the information after 3 months. Our bank will properly handle all application materials submitted by applicants to ensure privacy and security.

(You can consult online through QQ or WeChat about the China Merchants Bank credit card service information you want to know. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2 : Search the number "cmb4008205555" in WeChat and follow China Merchants Bank Credit Card Center)

What should I do if my credit card application is always rejected

The most common reason why credit card application is rejected:

1. Bad personal credit report

It has been overdue in the past and has even been blacklisted by the Bank of Communications. It is easy to be rejected when applying for a credit card, and there is almost no possibility of "turning over". This shows how important personal credit record is.

2. The application information filled in is untrue

Many cardholders will exaggerate their work unit and income in order to successfully apply for a card or even a high limit. This will not only prevent them from applying for a high credit limit. Credit cards will also be declined.

3. Too many existing credit cards

If the card applicant already has too many credit cards, the bank will think that the card applicant is suspected of cashing out, so it will not pass the audit.

Reasons for rejection:

1. Overdue credit report

Many applicants have overdue records on their personal credit reports because they have previously applied for loans or credit cards. , check your personal credit report regularly, and make timely remedies if any credit is found to be overdue.

2. No one answers the audit call

When applying for a credit card, most people know that the bank customer service will call to verify your basic information, but there are often many reasons why you forget to If you fail to bring your mobile phone or miss a call, your application success rate will plummet.

3. Incompatible work industries

Practitioners engaged in wholesale, individual, direct sales, insurance, logistics, entertainment, catering, security and freelance industries will be strictly reviewed and approved.

4 Age does not match

Applicants are required to be between 18-60 years old

5. Repeated applications

The bank will review and approve The system automatically sets a minimum application interval of 1 month and a maximum of 6 months. During this period, if a rejected application occurs, the system will directly reject the application without going to the manual audit stage.

Why are my credit card applications rejected?

If you are applying for a China Merchants Bank credit card, the application review will be comprehensively assessed by the system and will take into account many factors, such as work and income. , stability, personal credit and other aspects are not determined by unilateral factors. It may be that the information you attached when you originally applied did not fully reflect your personal situation, which resulted in the application not being approved. If your job or financial information changes, you can reapply 3 months after the initial application.

Analysis: Why the application for a credit card was rejected

It means that your personal qualifications do not meet the application standards for the card. Do not apply again within three months. You can try another company and download it on your mobile phone. Apply for the National Bank of China online application. There are credit cards from various banks that you can apply for. I hope it can help you

Can you reapply if your credit card application is rejected?

Can you apply for a credit card if your credit card application is rejected? 3 Apply again after a few months. It is recommended to apply again after meeting the credit card application conditions.

Required conditions for applying for a credit card:

1. A natural person who is over 18 years old and not more than 65 years old and has full civil rights;

2. A stable person Legitimate source of income;

3. The review information provided is authentic and verifiable;

4. The applicant’s credit record is good;

5. The applicant has Stable housing.

Will a credit report be required if your credit card application is rejected?

If the credit card application is successful, the credit card record will be included in the credit report

If it is rejected

The bank will only check your credit record after you apply

What should I do if my credit card application is rejected?

Solution:

1. First find out the reason. You can call the bank’s customer service number or ask the staff why the application was rejected.

2. Improve your credit.

Reason:

1. The bank feels that your application qualifications do not meet the requirements. The applicant is engaged in the restricted promotion industry of the credit card issuing bank; the applicant’s age, working experience, salary income or other financial resources do not meet the prescribed card issuance standards; the relationship between the supplementary card applicant and the main card applicant does not meet the requirements; the applicant’s income It is possible that the comprehensive factors such as work and other factors are unstable and the risks are high.

2. Have a bad credit record. The card will not be approved if the applicant has a record of malicious overdrafts or loan arrears in other banks; has a record of unpaid water, electricity, gas or telephone bills; is in litigation or has a bad record with the Public Security Bureau, etc.

3. The information filled in is untrue. If the applicant forges documents or fills out the application form incorrectly, the bank will not approve the card.

Those people are likely to be rejected for credit card applications:

1. College students

Students have no financial resources, and banks do not dare to approve credit cards due to risk considerations. In addition, most college students do not have financial awareness, use cards excessively, and have high overdue and bad debt rates, which has led to many banks canceling college student cards. The policy is becoming more and more strict for students to apply for cards. Therefore, banks usually do not welcome students to apply for cards.

2. People with three no's

People who have no job, no savings, and no proof of property are referred to as "three no's". How can banks dare to lend money to such people with confidence? What about him?

3. Retirees

Retirees are not easy to be approved for cards for two reasons. First, they have reached the bank card application age limit; second, because they are retired, their pension is not large. If you use a credit card to make purchases, it is easy for the bank to doubt your repayment ability.

4. People without proof of stable income

Also known as those who cannot provide bank statements, there are many such people, such as full-time housewives, some private company employees whose wages are paid in cash, etc. Because they cannot provide stable income, they are often rejected by banks.

5. People with bad credit records

I believe everyone has begun to understand how important personal credit is now. For credit cards, credit history is even more important. Banks are very cautious when lending money. If a person with a "stained" repayment record comes to borrow money from you, I believe you will have to shirk it.

Notes

Retirees can just apply for a supplementary card for their children, and there is no need to bother to repay the money.

If you have a car, applying for a car owner's card is more likely to be approved; if you don't have a car, you can buy bank financial products and become a high-quality bank customer, which will also help you get the card.

Using cards rationally, repaying them on time, and maintaining a good credit record will not only help apply for a card, but also be beneficial to other aspects such as personal loans.

What should I do if my credit card application cannot be processed?

Failure to apply for a credit card does not necessarily mean there is a problem with your credit report. If you can't get a credit card, there may be a problem with your credit report, but it's not certain. Generally speaking, there are three reasons for credit card rejection:

1. Reasons for the applicant’s basic information, such as under 18 years of age, occupation that is prohibited for bank credit cards, insufficient information provided, and insufficient salary information wait.

2. Reasons for the applicant’s credit reporting, such as multiple overdue behaviors, multiple unpaid loans, etc.

3. Other reasons, such as high debt, failure to meet bank requirements, etc.

1) If applying for a credit card, the customer must be over 18 years old and have full civil capacity; and maintain Good personal credit; stable and legal sources of income and the ability to repay on time. However, if you are under 16, you will need to be accompanied by your parents. If you choose to operate a premium platinum card, there will be stricter requirements on the customer's economic and financial level. If you only apply for a savings card, there are no requirements. Customers can bring their personal ID cards to the outlets.

2) Some bad credit records will be permanently on the credit blacklist, which means that you will never be able to get a credit card and borrow a penny from the bank. For some bad credit records, after paying off the debt in full (including overdue penalties, interest and compound interest), there will be no overdue records within 5 years, and all bad records will be automatically cleared after 5 years. That is to say, you cannot apply for a credit card within 5 years, but you can apply for it after 5 years. In some cases, a credit record is perfectly fine, but a credit card cannot be processed.

3) Credit cards are divided into credit cards and quasi-credit cards. A credit card that allows you to make purchases first and then refund the money within your credit limit. A certain amount of petty cash must be deposited into a quasi-credit card. If your petty cash is not enough to cover the expenses, you can overdraw your credit card up to a specified credit limit. The difference between debit cards and credit cards: Credit cards (consumer credit products) consume first and then repay, while debit cards deposit first and use later; credit cards can be overdrafted, but debit cards cannot be overdrafted; credit cards have revolving credit limits, but debit cards have no revolving Credit limit; (Revolving credit refers to the amount approved by the bank for the cardholder. The cardholder does not need to repay the amount owed within the limit. Only the specified minimum repayment amount can maintain a good credit record and re-use it. . The credit limit of the cardholder. )

This is the introduction of what to do if you can’t get a credit card.