Reason:
1. If there is an overdue record of personal credit information within 5 years, you may be rejected if you apply for a credit card or loan on the premise of paying off the arrears. Even if the card is approved, the quota will be lowered; In addition, if the bank's personal credit status in the past 24 months is overdue, the refusal rate will directly increase to over 80%.
2. Incomplete information: the application materials are incomplete; The applicant fails to provide the basic documents, and the documents provided by the applicant do not meet the examination and approval standards. Or it is because the contact number provided at the time of application is wrong, which leads to the inability to contact at the time of credit investigation.
2. Risk crowd: the applicant forges or provides false information, and finds an abnormal situation (the applicant has left his job or has not signed it himself) during the credit review, the applicant does not exist, or applies under the guise of others, and the applicant is a high-risk customer.
Extended data:
Shanghai Pudong Development Bank credit card application conditions:
1. You must be at least 18 years old and not more than 65 years old, and have full capacity for civil conduct. Secondly, you must have a stable and legal source of income. Finally, you must make sure that your personal credit record is good. After that, you can apply for a personal credit card from Shanghai Pudong Development Bank with your ID card and relevant certificates. At the same time, you can also apply for supplementary cards for eligible family members (parents and children). The cardholder of the primary card has the right to apply for adjustment, suspension or cancellation of the use of the secondary card.
2. The cardholder of the main card shall take full responsibility for the debts incurred by the main card and the supplementary card. Supplementary card holders shall be jointly and severally liable for the debts incurred under the main card and supplementary card.
3. Identification: the original and photocopy of the ID card.
4. Work certificate: The work certificate needs to be stamped with the official seal of your company, otherwise it will be invalid.
5. Financial proof: such as payroll records and income tax withholding certificates issued by banks, or documents proving the market value of houses, automobiles, deposits and investments, and other materials that can prove the financial level.
Baidu Encyclopedia-Pufa Credit Card
Baidu Encyclopedia-Credit Card Application Form