Why is the application for a credit card always rejected? All these reasons may be

Many people want to get a credit card to facilitate their later life, but it is really annoying that every time they apply for a card, they want to know why. In fact, there are far more than one reason why credit cards are rejected. You can compare the following points to see what the situation is.

1. The application conditions do not meet

To apply for a credit card, you need to meet the basic card requirements, such as being 18 to 6 years old and having a stable job and income. There are also some special card types, and there will be other requirements. If the application conditions do not meet, they will be rejected directly, and there is no room for negotiation.

2. The information filled in is incomplete or incorrect

No matter whether you apply for a card at a bank outlet or online, you need to fill out an application form for handling a card. The applicant needs to fill in the above information carefully, and the bank will evaluate the applicant's qualification 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 about this.

3. Personal debt is too high

Credit information will be checked when applying for a credit card. If there are housing loans, auto loans, credit card overdraft investments, etc., if the overall debt ratio is too high, especially over 5%, the bank will think that the applicant does not have the ability to repay, which will basically be cool.

4. There are many overdue times of credit investigation

It is a serious overdue. No matter which bank applies for a credit card, it will be rejected. The bank will consider the risk of handling the card, and those who have too many overdue times will be directly rejected. Too many inquiries will also lead to the rejection of the credit card.

5. To apply for a card in a different place

To apply for a credit card, it is usually required that there is a card issuing outlet in the local area. However, there are often card friends who live or work without a bank outlet, so they will choose a nearby city to apply for a card. If they are found out by the bank, they may be rejected. Even if they pass the preliminary examination, they may not be able to pass the visa in a different place.

why is the credit card (debit card) refused every second?

the user did not exceed the time limit, and the application for credit card (debit card) was rejected for seconds because the user did not meet the application conditions for credit card (debit card) and could not pass the preliminary examination of the system. After the user submits the application materials, the system will initially review the user. If the application conditions are not met, the system will directly refuse. Therefore, before applying for a credit card (debit card), users should ensure that they meet all the application conditions.

the absence of overdue records does not mean that all the application conditions of credit cards (debit cards) are met, and even if the application conditions are met, it does not mean that credit cards (debit cards) can be approved.

What are the reasons for refusing to apply for a credit card?

1. Conditions do not meet

There are certain requirements for applying for a credit card, including age requirements and income requirements. If the applicant does not meet the conditions for handling a credit card, the application for a credit card will be rejected.

2. Poor credit information

Credit card itself is based on credit information. If the applicant has a bad record of overdue credit information and has not recovered a good credit information, then the application for credit card will only be rejected.

in general, the application for a credit card is rejected by the second, which is mainly caused by the above reasons. In addition, the high personal debt of the applicant will also affect the credit card application, but if the debt is not particularly high, it will not lead to the rejection of the credit card application.

Hard conditions for handling a credit card:

1. Having full capacity for civil conduct at the age of 18

2. Having a stable source of income

Usually, applicants are required to have a fixed job, so as to ensure that they have a source of repayment every month and will not be unable to repay after swiping the card.

Of course, if the applicant can provide continuous social security certificate, income certificate or fixed assets such as a house and a car in addition to a stable job, then his chances of applying for a credit card will be greater. Because there is a certain proof of assets, it means that the applicant has enough repayment ability, and the bank is more assured of issuing credit cards for you.

3. Good credit

What is "good credit"? Including timely repayment, no overdue records and so on. When you submit an application to the bank, the bank will first check your personal credit report. Banks mainly check your credit card usage/repayment information and loan information, and also include tax arrears records, civil judgment records, enforcement records, administrative punishment records and telecom arrears records. Credit information without "stain" will make banks trust you more.

skills of handling credit cards

1. Choose the right bank to handle credit cards

Choose the right bank and apply for a credit card that is suitable for you. Due to the different characteristics of each bank, each credit card has its own advantages. When applying for a card, you can choose a bank that suits you according to your actual needs. Generally speaking, it is easier for commercial banks to apply for credit cards than state-owned banks, because banks compete with each other, and commercial banks are still in the stage of laying the market, and they are more willing to issue credit cards to applicants with good conditions; Moreover, there are many credit card promotion activities in commercial banks, such as courtesy in handling cards, etc., to encourage qualified people to apply. Credit cards of Bank of Communications, CITIC, Guangfa, China Merchants Bank, Xingye, China Everbright, Shanghai Pudong Development Bank and Citigroup are recommended.

2. Choose a card type that is easy to get off

Different credit card types have different degrees of difficulty in applying. For example, ordinary cards and gold cards are easier to apply than platinum cards, ordinary standard cards are easier to apply than special cards, and co-branded cards and theme cards in bank promotion are easier to apply than non-promotional cards.

it is suggested that when applying for a credit card, you should choose a card with a relatively low card level and which is being promoted by the bank.

3. Deposit a sum of money in the bank on a regular basis or purchase the bank's wealth management products

so as to become a high-quality customer of the bank. A time deposit certificate of more than 5, yuan will give the bank a green light for your card application. If you don't have so much deposit, you can set up a savings card in this bank first, and use it for daily capital transactions. It is also helpful to apply for a card by making a few bank accounts.

what should I do if my online application for a credit card (debit card) is rejected?

There are many reasons why the online application for credit card (debit card) is rejected, which may be that it does not meet the application conditions of credit card (debit card), the information is too simple, or there are bad records in credit information, etc. If the reasons for the rejection are really unclear, it is recommended to consult the staff at the bank outlets. It is also necessary to pay attention to the fact that the application for credit card (debit card) is rejected, so it is not necessary to repeat the application frequently, generally every three months.

Why do I refuse to apply for a credit card every second

There are generally three reasons why I refuse to apply for a credit card every second:

1. The information check failed. Under normal circumstances, people who apply for a bank's credit card will receive checked information, and the bank staff will ask the applicant where he lives, whether he has a house, whether he is a job or a student now, and so on. At this time, the applicant should answer according to the information filled in at the time of application. If the applicant answers any question falteringly or does not conform to the information filled in at the time of application, then basically the credit card application will not be passed.

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 will not pass the application without a formal job and a stable source of income.

3. Credit investigation. There are two kinds of credit problems: (1) If the applicant has been read by the loan platform for many times in a short period of time, or if the applicant has applied for more online loans or credit cards in a short period of time, the bank will also 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 maliciously cashed out in other banks, the bank will not approve the applicant's application for a credit card.

1. In most cases, citizens who have full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and 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 a credit card can be divided into units and individuals. The applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal personality within the territory of China. Each unit can get a main card and several (5-1) supplementary cards when applying for a credit card. 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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I would like to ask why all banks in our online application refused

All banks refused online application, and the credit card audit needs to be comprehensively evaluated by banks. There are many main reference factors, such as age, job stability, income, credit history, education, spending power and so on. It may be that your work or financial information has changed recently, so you can re-provide the information after 3 months to try to apply.

For more information about why all banks refuse to apply online, go to: See more

Let's stop here for the introduction of why online credit cards refuse.