Why can't a good credit card work?
1 The application conditions are not met.
To apply for a credit card, you need to meet the basic card requirements, such as 18~60 years old, with a stable job and income. There are also some special card types and other requirements. If the application conditions do not meet, it will be rejected directly and there is no room for discussion.
2 The information filled in is incomplete or incorrect.
When handling a credit card, the bank has the right to refuse the card if the information is incomplete or inaccurate.
Three people are in debt.
If you apply for a credit card, you will check your credit information. If you currently have housing loan, car loan, credit card overdraft investment, etc. If the overall debt ratio is too high, especially above 50%, it will make the bank think that the applicant does not have the ability to repay, and it will basically be cold.
4. Do the card in different places
To apply for a credit card, it is usually required to have a card issuing outlet in the place of residence. However, there are often card friends who live or work without bank outlets, so they will choose a nearby city to do the card. If the bank finds out, it may be rejected. Even if you pass the preliminary examination, you may not be able to pass a visa in different places.
5 did not choose the right bank.
Choosing the right bank is half the battle. Under normal circumstances, it is recommended to give priority to banks with salary cards, mortgages, car loans, deposits and wealth management. If there are none, it is best to start with joint-stock commercial banks for the first time, such as China Merchants Bank, Xingye, Bank of Communications and Guangfa. Don't stare at the four major state-owned banks from the beginning, especially without assets.
6 The correct card type was not selected.
Credit cards can be divided into ordinary credit cards, namely gold cards and ordinary cards; High-end credit cards, that is, platinum cards and above. Ordinary cards are suitable for three employees, while high-end cards must have a certain economic foundation, and some even have requirements for identity. If you blindly pursue high-end cards, no matter how good the credit information is, it will be rejected.
There are too many credit institutions.
The more credit institutions in the credit report, the more difficult it is to handle credit cards, especially for more than four financial institutions. Many banks will not approve credit cards, especially the four major state-owned banks are very concerned about this situation, so the more credit cards you handle, the better.
The applicant is a white family.
White credit card users, that is, white users who have never used credit cards, have a relatively high probability of being rejected. Except for Xiao Bai, who may not meet the requirements of joint card when filling in the information, because they have no experience in handling cards before, the bank can't judge whether the applicant's credit information is really good. When the information submitted by the applicant is not enough to win the trust of the bank, it is likely to be rejected.
9 is a prohibited occupation of banks.
Don't be naive to think that banks are fair. In fact, banks also look at people with colored glasses. KTV, entertainment places, salesmen with uncertain income, seafarers, aerial work and other industries that banks don't like will be rejected if their credit information is good. Some bank card specialists don't give you information directly.
These are the reasons why banks refuse to issue cards, even though the credit information is very good. Everyone can take corresponding measures to solve the problem according to the reasons for rejection.