Repeated credit card applications from the same bank generally require 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 process your credit card within two working days. Unfreeze, 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 by the court

Because credit cards are also personal property, if there are some disputes in the court that want to freeze your property, then your credit card will also be frozen accordingly. It will be frozen. In this case, you have to wait until your court case is over before you can apply to unfreeze the bank card, and the time is similar to the first situation. 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.

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