(1) One is CIIS, which is the internal credit rating system of ICBC. Below 700 points is attention, and you are on the grey list. More than 700 points is normal. No matter how many points are above 700, it is meaningless, but it is normal. The average person is around 730-750. The main reason for the fee deduction is that the card has been handled frequently recently, and there have been too many inquiries in the past two months (including ICBC's credit card application inquiry, other bank's credit card application inquiry, my inquiry, credit guarantee inquiry, the bank's or other bank's credit card loan inquiry, and this CIIS inquiry). Every time you ask, you have to deduct a certain score. Think about the average person's score of 730-750. It is not normal for you to apply for various bank cards many times in a short period of time without deducting points below 700 points. This is what I call you. However, some banks like "post-loan management" when they have nothing to do, which leads to your deduction of money, which is inevitable. If you want to check, please go to the local outlets to find the financial manager (security, etc.). ) check it in the name of applying for a credit card. This check will also be deducted. People may not check it for you.
(2) The other is the human intervention system. The local card department can set a time (3-24 months or even longer) for you to lock when you apply for multiple cards, or the operator of the local card department (other local card departments and the Head Office have no authority) can unlock it for you. So don't be angry with the card department, or they will die if they come up with a killer! But to be honest, it's not that the applicant is too annoying, and the local card department rarely "hurts the killer"! This can only be checked in the card department!
This is an internal rating, which has no influence on the applications of other banks, but some banks are resistant to the recent excessive inquiries about credit reports. Not exactly.