An insufficient comprehensive credit score indicates that your comprehensive credit qualification does not meet the bank's requirements. The comprehensive credit score is an evaluation made by the bank on the applicant's comprehensive credit based on the information provided by the applicant and using a fixed scoring system. There are many factors that affect the comprehensive score, including: marital status, work situation, financial ability, personal housing , credit record, academic qualifications, etc. If you need to consult more about Ping An Bank's credit card business, you can click the link below and select "My" in the lower right corner - exclusive customer service or follow Ping An Credit Card's WeChat public account (paxyk95511) for consultation. /branch/mkt/bankonline/dist/onlineBankless.html#