2. There is something wrong with personal credit: no matter which bank, it will check the credit record when reviewing the credit card application submitted by customers. If the applicant has personal credit problems, the credit card application is likely to fail.
3. Incomplete application materials: When accepting the applicant's credit card application, the bank needs to review it according to the information provided by the applicant. If the application materials provided by the applicant are incomplete, the bank cannot obtain the applicant's information, which will also lead to the failure of the credit card application.
Extended data:
Precautions:
1. To handle Huaxia Credit Card through formal channels, you can consider bank outlets/bank official website/formal third-party websites, which can protect personal information to the greatest extent.
2. Credit cards are personal items. Once there is bad consumption, it should be recorded in the cardholder's name, and credit card information is easy to be stolen. Once it is stolen, it is difficult to get bank compensation, and you need to pay it back. So take care of your credit card, don't lend it to others at will, and don't reveal your password.
3. Timely repayment after swiping the card: overdue repayment will tarnish personal credit and cannot be eliminated within 5 years. Don't even think about it. The information is all in the banking system. If you don't pay back many times, the bank will have a link to collect the repayment, and then the bank has the right to sue the court for compulsory repayment according to the situation.
Baidu Encyclopedia-Huaxia Credit Card