Why do white households always refuse to apply for credit cards? Find out the reasons from five aspects

The success of credit card processing actually has a certain relationship with the identity of the applicant. For example, most credit cards for white households will be rejected, so it is necessary to find out the reasons. Then, why are white households always refused to apply for credit cards? We can start from four aspects.

1. The bank's risk control has been tightened, and the audit has become stricter. Now it is a critical time, and many banks have tightened their risk control. Although many card friends can be allowed to apply for cards, the audit will definitely be stricter, and it will naturally be more difficult for white households to approve cards smoothly.

2. No credit record: The most typical feature of white households is that their credit is blank. When banks check their credit, they can't get what they want, for example, they can't see the applicant's credit record, they can't judge the applied debt, and they don't know the applicant's repayment ability. In order to avoid risks, the record of being refused a card will be relatively large.

3. No business dealings with the bank: If the salary card belongs to the bank, or if you have savings in the bank and bought wealth management products, funds, insurance, etc. sold by the bank, you can get extra points for applying for the card. If you have no business dealings with the bank and don't even have a bank card, the bank will have no way of knowing the income and credit of the white households, and the card may be rejected.

4. Providing false information: Some white households don't even have a job. In order to apply for a card, they just fill in the company information, such as the fake work unit, landline and address, and even some people's telephone numbers left behind. Once the bank finds out, they will refuse to get a card, or even be blacklisted, and become refused customers.

5. Wrong bank card type: It is best for white households to start with banks with low thresholds, such as China Merchants Bank, Minsheng Bank, Xingye Bank, etc., and choose some youth cards and co-branded cards, which will have a higher chance of getting the card, and the card level is preferred to ordinary cards or gold cards.

why is a 21-year-old white household with no online loan and no overdue loan refused to apply for a credit card?

A 21-year-old white-headed guy with no online loan and no overdue period asked me: Why was a credit card refused?

why can't I get a credit card? Don't you have any points in your heart

Forget it, Snow Wolf. Let's tell you the truth. Don't blame me, but thank me.

1. The bank thinks you have a low education. Anyone with a bachelor's degree, white households and banks will approve cards, and there must be a 12, or something. Even in order to seize the market, the bank card clerk went directly to the school to do it for you, and there was a quota of 56 thousand without graduation;

2. The bank thinks your company is bad. At the age of 21, if you have graduated to work, then the bank will not approve the application, so the bank will dislike your company and be afraid that you will default by using the card; If you don't graduate, it's straightforward to apply for a card and not approve it. The bank just hates your poor school. Think about it. If you are in a top university like Beiqing Jiaozhe, do you think the bank will not approve your card? Don't tease;

3. The bank dislikes your poverty! Banks represent capital, and the essence of capital is profit! In other words, everyone can understand that financial instruments never help the poor! Use your head more. Don't just watch beautiful women in small videos all day. YY is cool for a while, and YY has been cool until it dies. For example, loans, poor people are the most needed, right? But the bank just won't lend you money. If you don't have a credit record to refer to and an asset mortgage, who will lend it to you? What a risk! In fact, credit cards are the same. The rich have money and don't lack a few cards. Instead, the bank has made every effort to let him do it and give him a high quota. Why, because they use cards frequently, consumer behavior no longer needs to be cultivated, and they still have to afford it; And poor white households apply for cards, and banks are worried! Finally, it is not approved.

above. What Snow Wolf said is true, so you should take advice when most needed is least heeded. Credit card, credit card, the bank will send you a card only if it thinks you have credit!

got it? Class is over!

In order to make you listen, Snow Wolf specially found a picture of a beautiful woman to catch your eye. I hope you can understand Brother Wolf's painstaking efforts!

Why is it so difficult for white households to apply for a credit card?

Many card friends consulted and said that their first application for a credit card was always rejected, so they wanted to know why it was so difficult for white households to apply for a credit card. In fact, the biggest reason why white households are always rejected is that because their credit records are blank, banks have no way of knowing their repayment ability, so they will not easily issue cards. So, how can a white household apply for a credit card? Let's take a look at it together.

Why is it difficult for white households to apply for credit cards

Many first-time cardholders are called white households because they have never applied for credit cards or loans. The so-called white households, that is, people who have no personal credit records in the PBOC credit information system.

It is difficult for such people to get a credit card. One of the reasons is that their credit history is blank, so the bank can't know your credit situation, and it can't judge whether you have certain repayment ability. In order to control the risk, the bank is cautious in granting cards to such people, and the degree of examination for them is even more severe than that of those who have overdue.

This means that if you are a white household and want to apply for a credit card, your personal conditions should not be too bad. Maybe other people's income is not as high as yours, and their education is not as high as yours, but they have a good record of using cards, and banks are willing to approve cards.

How can a white household apply for a credit card

However, many card friends start from a white household and gradually become card gods, which means that everyone can't escape the first time. So, how can a white household get a life first card? Here are three methods:

1. Don't start with the credit cards of the four major state-owned banks at first. Of course, if your financial conditions are very strong, you can ignore them. Friends with average economic conditions can start with small and medium-sized joint-stock banks. Compared with the four state-owned banks, joint-stock banks such as China Merchants Bank and Bank of Communications are more tolerant of white households, so it is a good choice to choose credit cards of such banks as the first card of life.

2. It is best to apply for your salary card or a bank with large deposits and other assets, because these banks will have a certain understanding of your income through your salary flow and assets, which is also a plus item for you to apply for a credit card.

3. Don't apply for multiple credit cards at the same time. After all, for banks, if you apply for multiple credit cards at once, it is easy for them to misunderstand that you are short of money, which is very unfavorable for credit card approval.

4. Start with Puka. Although the amount of gold and platinum cards is higher than that of ordinary cards, and their rights and interests are richer than that of ordinary cards, many banks will not give gold or platinum cards to friends who apply for cards for the first time, because white households have never owned credit cards, and banks have no way of knowing their repayment ability. Even if applicants have higher income, they will only issue ordinary cards to them. It will be easy to apply for a gold card or a platinum card after the white households get the Puka and use it for half a year or more.

Is it easy for white households to apply for a credit card?

It is really difficult for white households to apply for a credit card. There are countless people who have been rejected for the first time. However, it is still easy as long as you use the right tactics to make the bank look at you differently. Here, I will give you a few tricks.

Bai Hu's card application was rejected mostly because his credit record was blank, and the bank didn't know his spending power, repayment ability and credit status. Therefore, if you want to apply for a card smoothly, you have to tell the bank that you have the ability to spend and have the money to repay, so that the bank will be happy to apply for a card.

There are many ways to prove to the bank that you have repayment ability, and these three methods are mainly introduced:

1. Deposit and deposit

A few months before applying for a card, you can't deposit it casually. You should know that the bank is also very snobbish. If you deposit 2 thousand yuan, the bank will naturally not pay attention to it.

Therefore, it is better to deposit 5, yuan or more. For a bank, a deposit of more than 5, yuan is enough to prove that your financial strength is good. Can such a person still be short of money? White households will naturally have a high success rate when they apply for cards in this way.

2. Buy a bank for financial management

If white households want to apply for a card easily, they can not only increase the card application rate by deposit and deposit, but also buy financial products from the bank that wants to apply for a credit card.

You should know that the general starting amount of wealth management products in banks is 5, yuan. Those who have the ability and spare money to buy wealth management products will not be much worse in terms of economic conditions. In addition, wealth management products contribute a lot to the bank's income. If you don't approve cards, who will approve them?

3. Getting a car owner's card

Compared with people who don't have a car, a car owner's card provides less information, so it is enough to have a driving license, and the success rate of application is much higher than that of ordinary credit cards. The implied meaning of "having a car": Not to mention the monthly gas money of thousands of dollars, my brother/sister has enough money to buy a car to prove that my spending power will not be low.

please note that you can only apply for a car owner's card, a van or a bus in your own name.

What is the reason for the total rejection of online credit card application by white households

Online credit card application is convenient and fast, but not everyone can successfully get off the card, especially for white households, it is common that online credit card application is always rejected. Then, why is the application for a white household card always rejected? What is the reason? Let's analyze it for everyone.

Why is it that Baihu Online Credit Card is always rejected?

1. The applicant does not meet the most basic conditions for handling the card, such as being under 18 years old, being too old, exceeding the limit of the bank, and having no stable income source, and unable to prove that he has the repayment ability.

2. There is no credit card business in the region. In some third-and fourth-tier cities and township areas, banks do not carry out credit card business, so it is more difficult for users in the above areas to apply for credit cards.

3. White credit households. People who apply for a credit card for the first time have no previous credit records, so it is difficult for banks to judge their credit quality, so it is easy for them to be rejected.

how long can I apply again after my card application is rejected?

after the application for a credit card is rejected, don't rush to repeat the application continuously, and try not to apply to another bank immediately. This is because when you apply for a credit card from a bank, you agree that the bank will check your credit records in the People's Bank of China's credit information system, and the bank's behavior of checking credit records will leave traces in the credit information system, and banks can see each other how many times your credit information system has been queried and which banks have checked it respectively. Applying for a credit card many times in a short period of time will make the bank think that you are in a hurry to use money and have high credit risk, so it is easier to refuse to issue it.

I suggest that before you apply for a credit card, you should first make clear what caused the rejection and try your best to improve your qualifications, preferably after half a year. If the online application is always rejected, I suggest you try to bring relevant information to the counter to apply.

Why is it so difficult for white households to apply for a credit card? It is no longer difficult to polish the information.

The threshold for applying for a credit card is not particularly high, but many white cardholders are always turned away from the bank, and the process of applying for a credit card is very difficult. Why on earth is it so difficult for white households to apply for credit cards? Today, I will tell you why.

White households can't meet the threshold of credit card application

First of all, let's talk about white households themselves. For white people who have never been exposed to credit card business, even banking business, the reason for the failure of applying for a card is probably that they don't meet the conditions of credit card application.

to apply for a credit card, you need to meet the following three conditions: you must be between 18 and 65 years old, have no bad credit record, and have stable repayment ability. If card friends know nothing about this and go to the bank to apply for a card, the result is of course imaginable.

Banks don't trust the solvency of white households

Even if the basic conditions of bank credit card application are met, many white households' cardholders will still encounter the situation that their credit card application is rejected, which requires us to look at it from the bank's perspective. When handling credit cards for customers, banks follow two principles: determining the repayment ability of users; Meet the financial needs of users. As a profit-making organization, banks certainly put the former in the first place. Therefore, white card friends who have insufficient information preparation and insufficient personal qualifications often encounter difficulties in getting off the card.

so how should we solve the problem of applying for a credit card for white households? Card friends don't have to worry. They just need to provide complete information according to the regulations of the bank, especially strong assets and income certificates, show their repayment ability to the bank, and ensure a good credit record. Your credit card application trip will be successful.

This concludes the introduction of why it is difficult for white households to apply for credit cards and why it is difficult for white households to apply for credit cards. Did you find the information you need?