What are the reasons for the rejection of credit card application and the failure of credit card application?

The reasons why users are refused to apply for credit cards are: frequently applying for various credit businesses in a short period of time; Personal credit reporting is bad, and there are overdue records in the credit reporting; Personal debt ratio is too high and repayment ability is insufficient; No stable job and income; Does not meet the age requirements for applying for a credit card; The user has been blacklisted by the bank.

Under the above circumstances, the user's application for a credit card will be rejected. Users must solve the problem first and then apply for a credit card. Repeated application will only lead to the waste of personal credit information.

What are the reasons for not applying for a credit card?

1, the age does not meet the requirements: generally speaking, if the user is 18 years old and above, then you can apply for a credit card. However, some banks or certain card types have strict requirements, and the requirements are between 22 and 23 years old.

2. Too many credit cards have been applied: because users apply for loans or credit cards with their current credit status, banks will have an upper limit on the estimated amount. Suppose you apply for more than one credit card in the bank, and the credit limit is close to the upper limit, so it is easy to be rejected if you apply again.

3. Personal repayment ability is average: credit card debts are paid every month, which naturally requires users to have a stable source of economic income. It is difficult for the "three noes" who have no job to apply for the exam.

4. Credit: If the user is seriously overdue or has high personal debt, it can be seen in the credit report that the bank will refuse on the grounds of risk.

The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!

Credit card applications of China Merchants Bank and Ping An Bank

Credit card applications of China Everbright Bank and China CITIC Bank

Credit card applications of Agricultural Bank and Minsheng Bank

What is the reason why the credit card can't be done?

What are the reasons for the rejection of credit card applications?

The reasons why users are refused to apply for credit cards are: frequently applying for various credit businesses in a short period of time; Personal credit reporting is bad, and there are overdue records in the credit reporting; Personal debt ratio is too high and repayment ability is insufficient; No stable job and income; Does not meet the age requirements for applying for a credit card; The user has been blacklisted by the bank.

Under the above circumstances, the user's application for a credit card will be rejected. Users must solve the problem first and then apply for a credit card. Repeated application will only lead to the waste of personal credit information.

What are the reasons for not applying for a credit card?

1, the age does not meet the requirements: generally speaking, if the user is 18 years old and above, then you can apply for a credit card. However, some banks or certain card types have strict requirements, and the requirements are between 22 and 23 years old.

2. Too many credit cards have been applied: because users apply for loans or credit cards with their current credit status, banks will have an upper limit on the estimated amount. Suppose you apply for more than one credit card in the bank, and the credit limit is close to the upper limit, so it is easy to be rejected if you apply again.

3. Personal repayment ability is average: credit card debts are paid every month, which naturally requires users to have a stable source of economic income. It is difficult for the "three noes" who have no job to apply for the exam.

4. Credit: If the user is seriously overdue or has high personal debt, it can be seen in the credit report that the bank will refuse on the grounds of risk.

The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!

Credit card applications of China Merchants Bank and Ping An Bank

Credit card applications of China Everbright Bank and China CITIC Bank

Credit card applications of Agricultural Bank and Minsheng Bank

Why didn't you get a credit card for the first time? What happened when you didn't get a credit card for the first time?

Many credit cards, Xiao Bai, can't be downloaded when applying for the first time, and I don't know what's going on. Ask the bank staff, and they can't tell you the exact reason. What are the reasons for not getting a credit card for the first time? I'll list them for you today, and you can analyze them yourself!

I. incomplete or incorrect information provided

Credit card applications are usually rejected because the information provided is incomplete or incorrect. The bank said that the comprehensive score was insufficient. The comprehensive score includes: your age, length of service, salary, education, position, personal property status, etc. The more information you provide, the better, but you must ensure the authenticity and accuracy of the information. The bank will verify the information you provide, so don't take any chances. In addition, the application materials of the four major state-owned banks need to be more complete, and generally they need to pay social security for more than half a year before they can apply for a card.

Second, the nature of the work

The nature of your job determines your salary, including the level of salary and the stability of work income. For example, if your job is in a state-owned enterprise or institution, then the bank will be more agile and refreshed; If your job belongs to the nature of sales and venture capital, then the bank may have some concerns about the nature of your job, and the bank may directly reject your application because of the instability of your job and the uncertainty of your salary.

Third, bad credit and overdue records.

If you have a record of credit card consumption or other loans in the past, and it is overdue for many times or for a long time, the record will be included in your personal credit information system. Then the bank will definitely decide that you don't meet the requirements when reviewing your qualifications. Because credit investigation is a very important audit condition that must be considered.

Fourth, there are problems when the bank pays a return visit.

After the credit card information application is submitted, most banks will call for credit information, and sometimes they will call your company, so make sure that the phone you provide must be answered and can cooperate with the information returned by the bank staff. If no one answers the phone several times or the phone can't get through at all, the bank will think that your information is untrue and will not pass.

5. Credit card types do not match.

Some credit cards are for certain people. Be sure to check whether you meet the requirements before applying. Don't apply directly if you feel good. Banks that do not meet the requirements will not issue cards.

If your bank credit card application is rejected, you can refer to the above reasons for investigation. Make clear the conditions of application before applying. If the conditions are obviously not met, there is no need to do nothing. However, if your own conditions are ok, you may be able to pass if you apply for another bank after your application fails.

What if I can't get a credit card?

Credit cards can be tried in the following ways for the following reasons:

1. In general, whether a credit card can be successfully applied depends mainly on the individual's repayment ability. I suggest you apply for a credit card at the bank where you pay. Because the bank knows your income, naturally your application will be approved and you will get a credit card soon.

2. If the application materials do not meet the requirements, then in the next application, you must read the requirements of the bank carefully and fill in it carefully to prove that your assets have as much information as possible, so as to improve the pass rate.

The credit card competition between banks is very fierce. Every bank in the world will have one or more credit cards worth applying for. Make a good comparison and continue to apply. Among so many banks, one will accept your application.

: 1. Credit card, also known as 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.

2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, 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.

3. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when spending, and it will be repaid on the billing day. 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.

Why can't I always apply for my credit card?

One,

There are many reasons why the credit card application can't come down, such as:

1. Age mismatch: Credit cards will require applicants to be at least 18 years old, but some of them must be at least 20 or 22 or 23 years old. If the applicant's age is not up to standard, he will naturally not get a credit card.

2. There is something wrong with credit: to apply for a credit card, the applicant must have good personal credit, and there must be no bad credit record on the credit report. Otherwise, the bank is likely to refuse to approve the card.

3. Insufficient repayment ability: When applying for a credit card, banks generally need the applicant to provide some information on economic income and assets to prove that they have the ability to repay on time. Some bank credit cards also specifically stipulate that the applicant's annual (monthly) after-tax income should reach a certain level. If the applicant can't prove that he can repay the loan on time, the application is likely to fail.

4. Holding too many credit cards: If the applicant holds too many credit cards and the debt ratio is too high, it may also lead to the failure to apply for a card; Even if you apply for a card, the approved amount may be relatively low.

5. Apply for credit cards frequently: If applicants always apply for credit cards some time ago, their applications may also be rejected. After all, frequent application for credit cards is easy to obtain credit information, and it may also make banks suspect that the applicant's economic life is unstable, which will have a certain impact on the approval of credit cards.

Second, the credit card related content

1. You can spend money without overdraft, enjoy an interest-free period of 20-56 days, and repay on time without any charge (most banks will charge 0.5% interest and 2% handling fee on the day of cash withdrawal, and ICBC will only charge interest);

2. It is not only safe and convenient to swipe your card when shopping, but also a bonus gift;

3. Special merchants who hold cards in banks can enjoy preferential treatment;

4. Accumulate personal credit, add a credit record to your credit file, and benefit for life;

5. National access is barrier-free, and you can withdraw money or swipe your card at ATMs and POS machines with UnionPay logo.

This is the end of the introduction about whether the credit card can come down and whether the loan can pass. I wonder if you have found the information you need?