1, personal credit problem. When users apply for a credit card from the bank, the bank will inquire about their personal credit information. If the user's personal credit has been tainted before. Then, the bank may reject the user's application.
2. The information is incomplete. When applying for a credit card, the information submitted by the user is an important aspect of the bank. If the user information is not complete enough, it is difficult for the bank to evaluate the applicant's situation. Therefore, there may be a case where the credit card application fails.
3. The information is false. When filling in the credit card application materials, there are information such as company name, telephone number, position and income. If the applicant has false information in the process of filling in. The bank found a problem when verifying the information. It will also lead to the failure of credit card application.
4. The conditions are not up to standard. Generally, there are three types of credit cards: ordinary cards, gold cards and platinum cards. Of course, some banks will have higher-level diamond cards and black cards. When users apply, this card has a certain threshold. The higher the general card level, the more difficult the application will be. If the user applies for a higher-level credit card when his own conditions do not allow, the application may fail.
Why do credit cards always apply, but
Many times, the reasons for refusing to apply for a credit card are both objective and subjective. On the one hand, banks sometimes have strict auditing standards for applicants, or control the amount of cards issued in order to optimize risks. On the other hand, it may be that the applicant's own conditions do not meet the requirements of the bank and his credit record is poor, which leads to the rejection of the application. Details are as follows:
1. The applicant's age does not match: the credit card applicant must be a China citizen who has reached the age of 18 and has full civil capacity.
2. The applicant's work income does not match. Applicants must have a stable job and a legitimate source of income. If you have a job and income, you can guarantee that the applicant will pay off the credit card account.
3. If the applicant's personal credit does not match, the bank will review the applicant's personal credit. If personal credit is tainted, the bank will not pass the application.
4 Unable to contact the applicant: the bank will contact the applicant several times during the audit period to verify his personal situation. If the mobile phone number or address reserved by the applicant in the bank is wrong, and the bank cannot contact the applicant, the credit card application will not be approved.
5. applicant's health reasons: the bank will control the risk of the applicant during the audit and consider whether to apply for a credit card.
6. The assets of the applicant. If the credit card level applied for is relatively high, the bank will ask him to provide corresponding asset certificates, such as real estate license, automobile driving license, stock securities, bank deposit slips, payroll, etc. If the personal assets applied for do not meet the I threshold conditions for applying for a credit card, the bank will not pass.
7. Frequent submission of applications Applicants frequently apply for the same bank credit card, submit the application form many times or cancel the submission many times, which is also the reason for insufficient credit card applications.
The reasons for the failure of credit card application are generally as follows:
First of all, the information filled in when applying for a credit card is untrue, and the application will be rejected.
Secondly, the applicant's own situation does not meet the conditions for issuing cards, for example, there is no stable source of income, and it is impossible to prove that he has the financial ability to pay off the credit card limit.
Thirdly, there is no branch of the bank in the application place. In this case, the bank's credit card is generally not available.
Finally, bad personal credit record is also a common reason why credit card applications can't come down.
The reasons for the failure of credit card application cannot escape these points.
Who has a credit card next door? Why is my credit card application always rejected? I believe many card friends have experienced this situation and hope to do something to change this situation. So, let's analyze the reasons for the failure of credit card application.
The 1. application does not meet the requirements.
Most credit cards have strict requirements on the applicant's gender, age and income. For example, China Merchants Bank's YOUNG card is only for people under the age of 30, and Guangfa True Love Card is specially designed for female friends. The bank's platinum card and gold card have certain requirements for applicants' income, and some cards are specially designed for college students.
Therefore, if you don't know the specific requirements of a credit card before applying for it, and you just don't meet the requirements of a credit card, your credit card application will naturally be rejected by the bank.
2. Bad credit record
The applicant's personal credit record has an important influence on the success of credit card application. For people with bad credit records, even if the salary is 654.38+200,000, the bank may not approve his credit card application. Because after you submit your credit card application, the bank will review your credit history in the past two years. Therefore, it is necessary to keep repayment on time within at least two years, and there is no bad credit record.
3. Incomplete application materials
Incomplete application materials are the reason why most cardholders fail to apply for credit cards. Because the authenticity and integrity of information are the primary factors that determine whether you can do it. If you provide false information, the bank will not hesitate to reject your application after investigation, so don't take any chances. Of course, if the personal information is incomplete and lacks some necessary information, then the bank will not apply through you.
Therefore, when filling in the information, we must ensure the authenticity and integrity. If the credit card application fails, you may wish to see whether the information you fill in meets these two conditions first.
4. Encounter black intermediary structure
At present, there are many black intermediaries on the Internet, which induce card friends to handle cards in their designated channels through various means, and then defraud money and personal information. These black institutions simply do not have the conditions to open cards. There is no doubt that your credit card application is certainly a failure.
Therefore, card friends should be alert to these black organizations on the Internet, don't be deceived, and must apply for a credit card through formal channels, such as going to the bank's business hall, applying for a credit card on the bank's official WeChat account and the bank's official website.
5. Missed the call of credit investigation.
If you miss the bank's credit call, the bank will not be able to verify your information in time, and your credit card application will also fail. Therefore, once you apply for a credit card, you should pay attention to the phone number of the bank and don't miss it.
After accepting the applicant's credit card application, the bank will investigate the authenticity and completeness of the information provided by the applicant by telephone or face-to-face investigation. After the investigation is completed, the internal system of the bank will be used to check whether the applicant meets the requirements of using the card and whether the credit record is good. Finally, a comprehensive score is obtained through investigation and review. If the comprehensive score does not meet the requirements for issuing bank cards, your credit card application will also be rejected.
These are the reasons why the credit card application failed. Those card friends who are still worried about why their credit card applications always fail can find the reasons from the above six aspects in combination with their own situation. I hope every cardholder can apply for a credit card quickly.
Why do you always fail to apply for a credit card?