The credit card application was rejected for the following reasons: 1. The applicant does not meet the most basic conditions to apply for a card, and may be under 18 or over-aged, exceeding the bank's limit.
2. Have a bad credit record, that is, the applicant has a credit card overdue or loans overdue repayment record, and the personal credit information system has a bad record.
There is no credit card business in this area.
4. The applicant is a white credit account, and the person who applies for a credit card for the first time has no previous credit record, so it is difficult for the bank to judge its credit quality, and it is easy to get a card and be rejected.
First, there are usually four reasons for the failure of credit card application:
1, personal credit is too low. If the user has a bad record before personal credit, the bank may reject the user's application.
2. The information is incomplete. The user's information is not complete enough, which will make it difficult for the bank to evaluate the applicant's situation, so the credit card application may fail.
3. The information is false. If the applicant falsely fills in the company name, telephone number, position, income and other information. It will also lead to the failure of credit card application.
4. The conditions are not up to standard. If the user applies for a higher-level credit card when his own conditions do not allow, the application may fail.
5. The rejection of the user's credit card application is mainly caused by the following reasons: the user's age does not meet the requirements; There are bad credit records in the user's credit information; The user has no stable job and income; High user debt ratio; User's credit information is wasted, and there are a large number of loan approval and credit card approval inquiry records; The user is a blacklist user of the bank. In addition, for users, after the credit card application is rejected, users should apply again at intervals, which is conducive to the approval of credit cards.
6. The survey found that if the applicant's debt is too high, or the original credit card overdraft limit is too high, and the loan has not been paid off, the bank will think that the risk of overdue repayment is very high, and the possibility of obtaining a credit card is very small.
7. Personal credit report with risk information or bad records is the main reason why most people's credit cards are refused. "White households" refer to people who have no historical records in their personal credit reports, and it is difficult for banks to distinguish the credit status of users. When the applicant's occupation is low risk, high income or stable, the registration is easy to pass the examination and approval.
2. Have a bad credit record, that is, the applicant has a credit card overdue or loans overdue repayment record, and the personal credit information system has a bad record.
There is no credit card business in this area.
4. The applicant is a white credit account, and the person who applies for a credit card for the first time has no previous credit record, so it is difficult for the bank to judge its credit quality, and it is easy to get a card and be rejected.
First, there are usually four reasons for the failure of credit card application:
1, personal credit is too low. If the user has a bad record before personal credit, the bank may reject the user's application.
2. The information is incomplete. The user's information is not complete enough, which will make it difficult for the bank to evaluate the applicant's situation, so the credit card application may fail.
3. The information is false. If the applicant falsely fills in the company name, telephone number, position, income and other information. It will also lead to the failure of credit card application.
4. The conditions are not up to standard. If the user applies for a higher-level credit card when his own conditions do not allow, the application may fail.
5. The rejection of the user's credit card application is mainly caused by the following reasons: the user's age does not meet the requirements; There are bad credit records in the user's credit information; The user has no stable job and income; High user debt ratio; User's credit information is wasted, and there are a large number of loan approval and credit card approval inquiry records; The user is a blacklist user of the bank. In addition, for users, after the credit card application is rejected, users should apply again at intervals, which is conducive to the approval of credit cards.
6. The survey found that if the applicant's debt is too high, or the original credit card overdraft limit is too high, and the loan has not been paid off, the bank will think that the risk of overdue repayment is very high, and the possibility of obtaining a credit card is very small.
7. Personal credit report with risk information or bad records is the main reason why most people's credit cards are refused. "White households" refer to people who have no historical records in their personal credit reports, and it is difficult for banks to distinguish the credit status of users. When the applicant's occupation is low risk, high income or stable, the registration is easy to pass the examination and approval.
Why are credit card applications always rejected?
Credit card applications may be rejected for the following reasons:
1. Incomplete application materials: some key information is missing in the application materials of credit cards, such as no detailed fixed residential address.
2. Credit stain: If the applicant has a bad credit record, the bank will refuse to approve the credit card.
3. Malicious cash withdrawal: The applicant has made malicious cash withdrawal in other banks, so the bank refused to apply for a credit card.
4. Falsification of work information: the company information and work information on the application materials must be consistent with the actual situation, otherwise it will not be accepted.
5. Bank limits the amount of approval: The number of credit cards approved by banks every day is limited, and those exceeding the limit will be rejected.
How to solve the problem of rejection of credit card application?
You should find out the reason why you were rejected and solve it.
The first reason is that the applicant's basic information, such as 18 years of age, occupation is a restricted area for bank credit cards, and the information is not detailed, and the payroll information is not detailed.
The second reason is the applicant's credit information, such as repeated application, unstable work, poor credit record and poor contact with the applicant.
The third category is other reasons, such as the contact person is unaware or unwilling to be a contact person, the applicant's health reasons, and the contact person's requirements are unqualified.
Under normal circumstances, after a credit card application is rejected, it will take 3 months to submit it next time, whether in the same bank or in other banks.
1. Study on the reasons for the rejection of credit card applications. After the credit card application is rejected, the bank will not tell the customer the reason for rejection, but will only say that the comprehensive score is insufficient and will not return the application materials to me. This is an industry norm. Applicants can analyze the reasons for rejection according to the information provided by Aibu Finance Network.
2. Apply for a suitable credit card according to your own conditions. Understand the application conditions of the credit card you choose. If you don't meet the requirements, you'd better apply for other types of credit cards or other banks.
3. Provide detailed credit card application materials. If the submitted documents are incomplete, the permanent address is not provided, the fixed home phone number of the person or his immediate family members or brothers and sisters is not provided, and the required time (supplement), income/work certificate and property certificate are not up to the requirements, the application may be rejected again, which requires the attention of card friends.
4. Pay attention to answering credit calls. Some banks will patiently make multiple credit reminders, and one or two missed calls can make up for it; Some banks may fail to answer the credit card application once, so pay attention to answering the credit call after submitting the application.
5. Choose another bank to apply for a credit card. If it weren't for the bad credit record, being rejected at Bank A wouldn't affect the application at Bank B. If the state-owned banks pay more attention to local accounts and have stable real estate. If you don't have such conditions, you can consider applying for a joint-stock bank credit card.
What are the reasons for refusing to apply for a credit card?
Users' refusal to apply for a credit card is mainly caused by the following reasons:
The user's age does not meet the requirements;
There are bad credit records in the user's credit information;
The user has no stable job and income;
High user debt ratio;
User's credit information is wasted, and there are a large number of loan approval and credit card approval inquiry records;
The user is a blacklist user of the bank.
In addition, for users, after the credit card application is rejected, users should apply again at intervals, which is conducive to the approval of credit cards.
Extended data:
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers.
It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.
Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated by relevant laws in China refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of functions such as consumer payment, credit loan, transfer settlement and cash deposit and withdrawal.
20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit.
Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
The main features of credit cards:
① Credit card is one of the fastest-growing financial services, and it can replace the traditional cash circulation in a certain range;
② Credit cards have both payment and credit functions. Cardholders can use it to buy goods or enjoy services, and they can also use credit cards to obtain certain loans from card issuers;
Credit card is a high-tech product integrating financial business and computer technology.
Credit card can reduce the use of cash and currency;
⑤ Credit card can provide settlement service, which is convenient for shopping and consumption and enhances the sense of security;
⑥ Credit card can simplify the collection procedures and save social labor;
⑦ Credit cards can promote commodity sales and social demand.
What are the reasons for the rejection of credit card applications?
1. When applying for a credit card, the bank will check the applicant's credit information. If the credit is poor, the card will be rejected. This is a common reason why credit cards are rejected. It is recommended to check the credit information before applying for a credit card.
2. The repayment ability is weak, and the repayment ability of the bank is the key point that the bank considers when verifying the card. If you can't submit the relevant certificates, the bank is likely to refuse, which requires financial certificates, including work certificates, real estate information, vehicle information, etc., to be submitted when applying for a credit card.
3. White credit account. The bank inquired about a person's credit information and found that there was no record. At this time, the bank will have many concerns when checking the card, especially whether the cardholder can repay on time. In order to reduce the risk, banks will refuse to issue cards.
4. The application age does not meet the requirements. Although most banks stipulate that people aged 18 to 60 can apply for a credit card, it will be difficult for older people to apply successfully, mainly because banks doubt their repayment ability.
5. After the credit card information application is submitted, the bank will call back. If the phone is disconnected, the bank will refuse to issue the card. Therefore, after submitting the materials, you must pay attention to the phone number of the bank. Only when the return visit is passed, the bank will not refuse.
So much for the introduction of the rejection of credit card applications.