How long does it take for a China Merchants Bank credit card to be rejected before you can apply again

Reapplying for a credit card from the same bank generally requires an interval of three months or more.

Generally speaking, there are three types of reasons for credit card rejection:

The first type of reason is the applicant’s basic information, such as under 18 years of age, occupation that is prohibited for bank credit cards, and information The provision is not detailed, the salary slip information is not detailed, etc.

The second type of reason is the applicant’s credit situation, such as the applicant applying repeatedly, having an unstable job, having a bad credit record, and the applicant cannot be contacted, etc.

The third category is other reasons, such as the contact person not knowing or unwilling to be the contact person, the applicant's health reasons, the contact person not meeting the requirements, etc.

The above are the reasons for credit card rejection. If it is due to poor personal credit, such as being on the blacklist, it is recommended that you apply for a credit card after five years.

How long does it take for a frozen credit card to be restored:

After the credit card is frozen, apply to the bank for unfreezing. If it can be unfrozen, then generally the bank will unfreeze your credit card within two working days. , such as Industrial and Commercial Bank of China, but the resolution time of different banks may be different. You can consult the customer service of the relevant bank, or check its official website. If your credit card cannot be unfrozen, the bank will contact you to inform you of this situation, and the credit card can no longer be used.

The prerequisite for applying for unfreezing is that the balance of your credit card has been paid off in full. Generally, if the situation is not particularly serious, you can unfreeze it after you have paid off all the balance. In addition to the possibility of freezing a credit card due to overdue repayment, there are also the following two situations where a credit card will be frozen. The solutions and time are introduced below:

1. Cash-out records are frozen

If you have used a POSS machine to make large purchases very often, or frequently used your credit card to withdraw cash, UnionPay will think that you are suspected of cashing out and will notify the bank where your credit card is located, and the bank will take action. Your credit card is blocked. This situation is illegal. You can provide the bank with your credit card consumption records in the past year. If your credit is good, the bank will unfreeze your credit card. The recovery time after this application is the same as the previous one. But if the situation is particularly serious, the bank will not unfreeze your bank card.

2. The property is frozen

Because credit cards are also personal property, if there are any assets that need to be frozen, your credit cards will also be frozen accordingly. , in this case you have to wait until your lawsuit is over before you can apply for the unfreezing of your bank card, and the time is similar to the first case. As long as your lawsuit can be resolved well, your credit card can be unfrozen. Otherwise, it cannot be unfrozen.

As the saying goes, quantitative changes lead to qualitative changes. No matter which of the above situations, as long as the situation is not particularly serious and not illegal, and you can explain your financial situation to the bank and be sincere, the bank will You can unfreeze your credit card. After unfreezing, the application can usually be resolved within a few working days, and the credit card must be used in accordance with relevant regulations after unfreezing.

I love cards

Why can’t you apply for a China Merchants Credit Card? Five reasons why you will be rejected immediately

China Merchants Bank’s credit cards are well-known in the industry, whether it is exclusive privileges or wool They all have a good reputation among card lovers, and those who are good at using credit cards basically have one or even a few of them, but for some novices, applying for a China Merchants Bank credit card is not that easy. Today I’m going to tell you why I can’t apply for a China Merchants Credit Card.

The reasons why card friends’ applications for China Merchants Bank credit cards are rejected may be one of the following five:

1. Not meeting the card issuance conditions

Many users are doing When applying for a credit card, I did not read the application conditions carefully. Many credit cards have application conditions, such as student cards, female cards, membership cards, or age restrictions. These problems will directly lead to the rejection of the card application.

2. The application information is insufficient

Card applicants must pay attention to the authenticity and completeness of the application information, which is an important basis for the bank to approve the card. This information is especially important when applying for a credit card for the first time. If the necessary information is not sufficient when applying for a China Merchants Bank credit card, the consequences can be imagined.

3. There is bad credit reporting

After China Merchants Bank receives a credit card application, it will check the applicant’s credit record through the credit reporting platform. If you are blacklisted by the bank because of your bad credit record, the chance that China Merchants Bank will cancel your card is very small.

4. The bank score is not up to standard

China Merchants Bank uses a scoring system to automatically score users. Cards can be approved only if they reach the score line set by the bank. If the score is not reached, the card will be rejected.

5. Encountering a rogue intermediary

If a cardholder wants to apply for a CMB credit card, but does not apply through a formal outlet but encounters a rogue intermediary who defrauds information and money on the roadside, CMB Credit Card The application becomes out of reach.

After reading the summary, I believe everyone has a new understanding of why you can’t apply for a China Merchants Credit Card. In short, if you cannot apply for a China Merchants Bank credit card, there must be a reason behind it. Cardholders need to take a closer look at themselves to see where they have the problem, and then solve it.

My China Merchants Bank credit card application was rejected. What will be displayed when I check online?

If your credit card is declined, you will usually receive a text message notification. You can also directly check the credit card application progress on the official website of China Merchants Bank Credit Card to see the result.

There are three reasons for credit card rejection:

Basic information of the applicant, such as under 18 years old, occupation that is prohibited for bank credit cards, insufficient information provided, and insufficient salary slip information wait.

The reasons for the applicant’s credit situation, such as the applicant’s repeated applications, unstable job, bad credit record, and the applicant’s inability to be contacted, etc.

The contact person does not know or is unwilling to be a contact person, the applicant has health reasons, the contact person does not meet the requirements, etc.

What are the warning signs for a China Merchants Credit Card to be declined?

There are no warning signs for a Credit Card to be declined. Credit card review requires a comprehensive assessment by the banking system and takes into account many factors, such as age, job stability, income, credit history, etc. If the review fails, the bank will send a text message indicating the failure result to customers with normal mobile phone numbers on the 6th day of the review, and will send a paper return notification letter to customers with abnormal mobile phone numbers. If the applicant's job or financial information changes, he or she can re-provide the information after 3 months and try to apply.

Extended information:

Five reasons why China Merchants Bank credit cards are rejected

1. Not meeting the card issuance conditions

Many users are applying for cards I did not read the application conditions carefully. Many credit cards have application conditions, such as student cards, female cards, membership cards or age restrictions. These problems will directly lead to the rejection of the card application.

At the same time, gold cards and platinum cards are generally only applicable after being invited by the bank. Unless you have good financial proof (bank deposit certificate of large amount, investment in cars, real estate, financial products), otherwise apply Very difficult to pass.

2. Few application materials

Card applicants must pay attention to the authenticity and completeness of the application materials, which is an important basis for bank card approval. This information is especially important when applying for a credit card for the first time.

For example, if you have a house and a car and can submit a house purchase contract, vehicle driving license, etc., the probability of approval is greater; if you only have simple materials such as a copy of your ID card, the probability of approval is small.

Basic application materials include: proof of employment, proof of income, social security insurance, etc.

3. Have a bad credit record

After receiving a credit card application, the bank will check the applicant's credit record through the credit reporting platform. If you have a good credit history, you are more likely to be approved for a credit card.

4. Bank scores are not up to standard

Banks use a scoring system to automatically score users. Cards can only be approved if they reach the score line set by the bank. If the score is not reached, the card will be rejected. The notice "Card issuance refused due to insufficient comprehensive score" received by the user refers to this score.

5. Encounter rogue intermediaries

When applying, try to choose a formal bank institution. Intermediaries that collect money to apply for cards and some roadside card application points are often used to defraud money and user information, and Card cannot be approved. When applying for a card on the street, you must first check whether the other party has formal documents. If there are "agency fees" and other fees, most of them will be charged. There is no fee for applying for a credit card.

This is the end of the introduction on how to solve the problem of rejection of China Merchants Bank credit card and the rejection of China Merchants Bank credit card. I wonder if you found the information you need?