At present, there are many channels to apply for credit cards, and there are also many bank salesmen to handle credit card business. Handling a credit card should be a very simple matter. However, this is not the case. There are still quite a few people who are always rejected when applying for credit cards, and they are dismissed by a sentence "unqualified". What is the reason? Tell you what.
1, overdue record.
If you want to apply for a credit card, the issue of credit information is very important. If there are overdue records in the credit report, there is a great possibility of rejection.
2. Number of credit inquiries
In fact, this is still a credit problem. Generally, when applying for a credit card, the bank will need to check your credit history. If there are many records of credit inquiry in a short period of time, but there is no record of card issuance, it is very likely to be rejected.
3. Nature of work
The nature of work, job position and job stability are all the scope of bank assessment. For those with unstable jobs or no jobs, banks will also refuse to issue cards.
4. Incomplete information
If the information in the application form is fraudulent or incomplete, it will be rejected directly. If information fraud is found, it may be blacklisted by banks.
5. Too many credit cards
If you apply for a credit card many times in a short time, or the number of credit cards is too large, which exceeds your income ability, the bank will refuse considering the risk.
6, the conditions do not match
Some banks' specific card applications are targeted, such as job requirements or income requirements, and are only issued to specific groups. I suggest you know clearly in advance.
The above is the reason why the credit card application compiled for everyone was rejected. Of course, there are many reasons. For example, if you miss the return call from the bank, you may be rejected. It is recommended that you apply at least three months after your application is rejected to avoid the possibility of being rejected again.
What are the reasons for the rejection of credit card applications?
What are the reasons for the rejection of credit card application and the failure of credit card application?
The reasons why users are refused to apply for credit cards are: frequently applying for various credit businesses in a short period of time; Personal credit reporting is bad, and there are overdue records in the credit reporting; Personal debt ratio is too high and repayment ability is insufficient; No stable job and income; Does not meet the age requirements for applying for a credit card; The user has been blacklisted by the bank.
Under the above circumstances, the user's application for a credit card will be rejected. Users must solve the problem first and then apply for a credit card. Repeated application will only lead to the waste of personal credit information.
What are the reasons for not applying for a credit card?
1, the age does not meet the requirements: generally speaking, if the user is 18 years old and above, then you can apply for a credit card. However, some banks or certain card types have strict requirements, and the requirements are between 22 and 23 years old.
2. Too many credit cards have been applied: because users apply for loans or credit cards with their current credit status, banks will have an upper limit on the estimated amount. Suppose you apply for more than one credit card in the bank, and the credit limit is close to the upper limit, so it is easy to be rejected if you apply again.
3. Personal repayment ability is average: credit card debts are paid every month, which naturally requires users to have a stable source of economic income. It is difficult for the "three noes" who have no job to apply for the exam.
4. Credit: If the user is seriously overdue or has high personal debt, it can be seen in the credit report that the bank will refuse on the grounds of risk.
The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!
Credit card applications of China Merchants Bank and Ping An Bank
Credit card applications of China Everbright Bank and China CITIC Bank
Credit card applications of Agricultural Bank and Minsheng Bank
Why is the credit card rejected?
Since the bank launched the online application channel, it seems easier and easier to apply for credit cards. Just fill out an application form online and wait for approval. In fact, it is easy to apply for a credit card, and the threshold for bank card approval has not been lowered. So why is the credit card rejected?
1. Income instability: the income of individual industrial and commercial households, freelancers, insurance practitioners, salespeople, etc. Unstable. Unlike ordinary office workers, they have a fixed salary every month. In the eyes of banks, they are high-risk customers, worried that their cards will not be repaid, and nine times out of ten they will be rejected.
2. Bad credit: Honest people are easy to gain the trust of banks, and it is easier to approve cards than people with bad credit. Bad credit cards are not only overdue, but also include special transaction records such as bad debts, assets repayment, compensation and credit investigation, that is, there are too many records of loan approval, credit card approval and guarantee qualification examination.
3. Incomplete information: The bank makes a preliminary judgment on the applicant's qualification through the submitted information. The information is not true, and it passed if it didn't pass the first trial, let alone want to apply for a card. It's impossible to think about it.
4. Incorrect call: For online credit card processing, the bank will pay a return visit to the unit for confirmation after verifying the basic information. Applicants should be prepared to answer the phone at any time and greet the front desk in advance. If the phone call is missed twice, or the content of the phone call is inconsistent with the application form, the application is invalid.
The above is the introduction of why the credit card was rejected, hoping to give some reference to my friends.
Reasons for credit card rejection
Credit card applications may be rejected for the following reasons:
1. Incomplete application materials: some key information is missing in the application materials of credit cards, such as no detailed permanent residence address.
2. Credit stain: If the applicant has a bad credit record, the bank will refuse to approve the credit card.
3. Malicious cash withdrawal: the applicant made malicious cash withdrawal in other banks, so the bank refused to apply for a credit card.
4. Falsification of work information: application materials. The above company information and work information must be consistent with the actual situation, otherwise it will be rejected.
5. Bank limits the amount of approval: There is a limit on the number of credit cards approved by the bank every day, and if it exceeds the limit, it will be rejected.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
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.
So much for the introduction of why credit cards are always rejected.