Why can’t I get the credit card I applied for through ICBC?

If your application is always rejected, it means your credit is not good. You may not have provided sufficient financial proof or have a bad record. Card application conditions: over 18 years old; hold a valid ID card; have no bad credit record;

Have proof of employment and income stamped with the financial seal of the unit, and other proof of financial resources, such as real estate, cars, and stocks. , bonds, etc.; social security certificate.

Note: The first 4 are the most basic conditions. If you can provide 5 to 6 supporting materials, the application success rate and credit limit will be increased.

1: A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

2: Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, An electronic payment card with full or partial functions such as transfer settlement, cash deposit and withdrawal, etc. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard

Three: Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit before repaying; a quasi-credit card refers to a cardholder who deposits a certain amount of reserve as required, which is used as a reserve account. A quasi-credit card that allows overdraft within the specified credit limit when the balance is insufficient to pay. The so-called credit card generally refers to a credit card only.

Four: Application. Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

Five: The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and its basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

Six: The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must Has the applicant's autograph.

Why is it becoming more and more difficult to get a credit card?

First of all, the answer is analysis. There are two main reasons why credit cards are becoming more and more difficult to apply for. One is the reason why banks themselves are subject to supervision. The China Banking and Insurance Regulatory Commission has explicitly prohibited excessive credit extension. Second, there are fewer and fewer high-quality potential cardholders. When they have time to apply for a credit card in the future, they will have already used credit products represented by Huabei and Weilidai, which indirectly makes credit reporting too expensive.

Let’s analyze in detail how much restrictions these two reasons have on existing cardholders and potential cardholders.

Because banks themselves are subject to supervision, the China Banking and Insurance Regulatory Commission has explicitly prohibited excessive credit extension.

On October 10, 2019, the China Banking and Insurance Regulatory Commission issued the "Notice on Carrying out Rectification of Infringements of Consumer Rights and Interests by Banking and Insurance Institutions (Banking and Insurance Regulatory Commission [2019] No. 194)", which clearly stated: Do not intentionally develop credit card business for low-income people and develop high-risk users: including excessive marketing of credit cards to college students who have no ability to repay, and careless credit limit control; issuing high credit limits to customers with poor credit status or who have multiple credit lines ; Excessive marketing of installment business.

In China, there are only two top regulatory authorities for all financial institutions, the central bank and the China Banking and Insurance Regulatory Commission. You said that the China Banking and Insurance Regulatory Commission has issued a written order prohibiting such operations. Even if 100 banks are unwilling, they will not do so either overtly or covertly. Dare to openly disobey your superiors. In actual implementation, the direct manifestation is that the credit cards that could have been applied for are not granted, and the banking industry does not dare to let go of the somewhat flawed customer base.

There are fewer and fewer high-quality potential cardholders. When they have time to apply for a credit card in the future, they have already used credit products represented by Huabei and Weilidai

In recent years , despite the penetration of various financial lending institutions on the Internet, people have more choices besides banks if they want to use money. Especially the younger generation, who have not yet reached the age to apply for a credit card, can easily use various installment credit tools. For example, buy mobile phones by installment with Home Credit, pay with Huabei, etc.

In the eyes of bankers, except for the formal use of credit products in the banking system, other types of credit products are basically classified as small loans. When college students wanted to apply for a credit card after graduation, they found that they had already been invaded by small-amount high-interest credit products like "Home Credit". When they wanted to apply for a credit card, they couldn't apply smoothly.

To sum up: the increasing difficulty of applying for a credit card is mainly due to the above two reasons. First, banks themselves are subject to supervision. The China Banking and Insurance Regulatory Commission has explicitly prohibited excessive credit extension. Second, there are fewer and fewer high-quality potential cardholders.

Of course, there will also be other objective reasons, that is, some people do not have stable jobs, and are essentially people with three no jobs. On the score sheet of the bank's credit review personnel, such people must apply successfully. It is also difficult to get a credit card.

Thank you: Why is it becoming more and more difficult to get a credit card? Because there are many people with low incomes! Failed to recharge on time! It is easy to cause financial losses and there are certain risks. Failure to replenish it in time will cause certain losses to national financial institutions.

Banks are not charitable institutions. They are at any time, especially now. The devastation of the epidemic has turned many people into poor people and losers in an instant. Banks are institutions that avoid risks because they will always only It will be the icing on the cake, rather than providing help in times of need!

Credit cards are becoming more and more difficult to apply for, especially for those who have never applied for a credit card or have problems with their credit report!

First, some people often overdue their credit card repayments, while others are simply unable to repay them. There are more and more such people, and it is difficult for banks to recover their money. Therefore, banks are now more cautious in handling credit card business, which makes it increasingly difficult.

Second, for those who have already applied for a credit card and have good credit, it should be easy to apply for another credit card. In addition, it is not difficult to apply for a credit card for those who have had a loan from a bank and have never been late in repaying the loan.

Through loans, credit cards and other services, banks will conduct credit ratings on customers, and this credit rating can also be seen by other banks. So as long as you have good credit, it’s not difficult to get a credit card.

The main reason why people apply for credit cards now is due to the impact of the epidemic. Many people are under pressure from home loans and car loans. Many people choose to go to banks to apply for credit cards. In addition, due to the domestic market situation, many factories Companies have no business, and many people choose to take holidays, resulting in many people who are idle at home or without work. Nowadays, most of the people applying for credit cards are those without formal jobs and with poor credit. Some are slightly younger. To summarize the following points.

First: When applying for a credit card, you either fill it out randomly or it is not true.

Second: The applicant is too young, and the bank feels that you are unable to repay the loan.

Third: Crazy application for credit cards, applying from all banks, leading to a behavior in credit reporting. The bank will not make it easy for you to apply for a card, so try to wait for more than three months before applying.

Fourth: Applicant’s credit problem. Some people say that they have never been overdue, so why the bank just won’t disburse the money? It may be that the bank has determined that you may have applied for many online loans and small platforms. There is a problem with your credit report.

Fifth: It’s not that it’s difficult to apply for a credit card, but you haven’t found the right way. It seems that some people have already purchased the card, and the limit is still high. Information is one thing, but there are also reasons for the platform you apply for.

Sixth: Basically, those born in the 1980s apply. If there are no overdue records, it will basically pass. This is a real case, look at the picture.

No matter whether you apply for it or not, you have to pay it back once you use it. Until that point, it is still not recommended to use a credit card. If you are not careful, you will fall into endless repayment of the credit card.

Coordinated in Liuzhou

The reason why it is difficult to make money

Do you have the corresponding abilities

For example, can your professional ability pass the test? Do you have the ability to learn and execute? Do you have strong beliefs? etc.

Do you have a good platform?

If you have abilities and talents, is there a platform for you to display them? Qingfeng relied on his strength to send me to the sky. Making money is not a one-person game and requires the help of a good platform.

Do you have a good circle?

This circle refers to your network of contacts and your financial circle. Your network of contacts can help you solve many things, and your financial circle can help you raise more money. funds.

Why is it so difficult to apply for a credit card? Lu Ming believes that there are the following reasons.

Is it difficult to apply for a credit card?

Because your hard qualifications and soft power are not developed.

Hard qualifications

Has your credit report been optimized? Or do you know that you need to optimize your credit report in advance before applying for a credit card? Optimize that aspect of information?

Have you provided good qualification certificates? For example, good employment certificates, social security provident funds, check-in salary statements, real estate, large deposits, etc.

Soft Power

Planning for credit card applications, do you know how to arrange the application sequence for credit cards from various banks? Which bank is suitable for you to apply for according to your conditions? What are the taboos when applying for credit cards from various banks?

Do you look like a passer-by at first glance, or do you look like a white-collar worker? Do you speak with a hint of temperament as soon as you speak, or are you a successful person with a successful career?

Summary

Credit card processing, especially if you want to apply for a large credit card and use the credit card as leverage to finance, you need to plan and improve your hard qualifications and soft skills. strength.

Similar to making money, as your abilities in all aspects improve, making money will naturally be much easier.

I am Lu Ming, a financial worker working on the front line, providing you with low-interest and large-amount financing solutions! Welcome friends in Liuzhou to communicate via private messages!

1. It mainly shows that society has progressed and it is easy for banks to obtain personal information.

2. Personal integrity is also becoming more and more important, so the bank will record daily non-timely repayments.

3. When the economy is not very good, credit card issuance will also assess risks. After looking at the user's daily income and expenditure, it will be determined whether the risk assessment requirements for issuing credit cards can be met.

4. On the contrary, for people with good personal credit, it should be easier to apply for a card than before, because there are more online card application channels and the process is faster than before.

5. In daily life, if you make better money by yourself, the bank will definitely take the initiative to apply for a card from you.

Hello, I'm glad to answer your question. 1. Credit products serve the purpose of taking care of others’ needs, promoting the flow of funds, and driving the economy. 2. In fact, it is essentially a business activity that makes money and uses capital to make money. I won’t talk about the operation method because I don’t understand it! But at least you have to predict and evaluate market conditions and assess risks! 3. In order to avoid risks, the number and limit of credit cards will be tightened when the general environment is not good. 4. Here comes the most critical question. Do you think it's difficult for something like this that is supposed to be the "icing on the cake" when you need help in times of need? For me, it’s too difficult [face covering]

It’s difficult to apply for a credit card. There may be a problem with your credit report

As far as I know, when a person If your debt is too high, some banks will check your credit report. Every time you borrow a loan, it will leave a mark on your credit report. When you want to borrow money again, or apply for a credit card, the bank will not check your credit report. It will be done for you because your debt is too high.

I don’t know if you have ever encountered door-to-door salesmen trying to apply for a credit card at a subway station or on the roadside in a park. These people claim to be able to apply for a credit card for you, and they can also place a lot of credit, especially now that you are special. When you need money or want to apply for a credit card, don’t blindly apply for these credit cards. If you want to apply for it, it’s best to apply at the bank counter. It’s best if these people just promote you and may earn you handling fees, but the final result will be useless. Let it go.

It is best not to use the most important credit card. Use every money you earn and never spend in advance.

A credit card is actually not difficult to apply for, but it is more difficult for some households with poor credit or white households!

For example, my first time applying for a card went smoothly because I had a mortgage in my name with a monthly payment of 7,000 yuan. In addition, I worked at Ping An, so it was very easy to apply for my own Ping An Bank credit card. That’s the limit of 35,000.

When you get your first credit card, start real consumption again, and if the repayments are normal and not overdue, the bank's system is open, and it will naturally be easier to apply for other credit cards. !

I have 7 credit cards under my name. The first 6 were all applied for before the epidemic this year, with a total credit limit of 420,000!

Generally, if there are more than 6 credit lines, the credit limit will basically be reduced. If you apply again, you may only have a limit of 10,000, or you may not be able to get it!

But last month, ICBC said that I could apply for one, so I applied for an ETC credit card online. It happened that the ETC on my mortgage and car were from them, and they were also 6 stars. The customer was approved for a card worth RMB 76,000, and he was quite satisfied!

Is it difficult to get approved for the ICBC Credit Card Gold Card?

ICBC credit card review is relatively strict, but as long as the credit conditions are good and the ICBC card application conditions are met, then it is easy to apply, otherwise it will be easily rejected.

ICBC credit cards are divided into regular card, gold card, platinum card, black card and other levels. The higher the card level, the more difficult it is to apply for the card. The applicant's credit information and ICBC star level will affect the card application. Two major factors.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also serve as applicants

Those who apply for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed.

Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his/her basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must have the applicant's signature.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. The creditworthiness of the applying unit must be evaluated, and the relevant circumstances of the guarantor must also be reviewed for individuals.

Usually, banks will judge whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

Why is the ICBC credit card application rejected

The failure of the ICBC credit card application may be caused by a poor personal credit report. For example, there is a record of malicious overdraft or loan arrears in the personal credit report. At this time, the bank will not pass the approval, and the bank does not want its credit card to be issued to untrustworthy users. If there is a debt, it is best to return it in time.

The failure of the ICBC credit card application may also be caused by incomplete information submitted by the user. After this happens, the user can resubmit the information. At this time, the chance of approval will be greatly increased, but the application from the same bank It is best to keep credit card payments at least one month apart.

The failure to apply for an ICBC credit card may be because the user has a lot of debt and cannot prove that he or she has a good income. If the debt is relatively high, the applicant already has several credit cards from other banks or has taken out a loan, and the monthly repayment amount is relatively large. At this time, the bank will refuse to issue the card in order to prevent risks.

In order to avoid being rejected when applying for a credit card, users can consult the bank before applying, so that they can know whether they meet the application conditions and then submit the application materials. Users can choose different channels when applying for a credit card, such as bank counters and bank official websites.

Although ICBC did not say it clearly, we all know that ICBC has a gray list. If when you use an ICBC credit card, your card application or limit increase is rejected immediately, but you don’t know the reason, it’s likely that you have entered ICBC’s gray list!

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1. How to enter the gray list?

(1) One is CIIS, which is ICBC’s internal credit rating system. A score below 700 is a sign of concern, meaning it has entered the gray list. A score above 700 is normal. The reason for deducting points is mainly due to frequent card applications in the recent past and too many inquiries from the Hong Kong Economic and Trade News in the past two months.

A certain number of points will be deducted for each inquiry. If you apply for cards from various banks multiple times in a short period of time, it will not be abnormal if the points are not deducted below 700. If you apply for fewer cards within three months (no points will be deducted), you will be fine.

(2) The other is a human intervention system. The local card department can set a time for you (3-24 months or even longer if it sees that you have applied for too many cards or does not like you or has false information, etc. ) locked.

This lock will either be unlocked automatically when it expires, or the local card department operator will unlock it for you. Although this is an internal rating and has no impact on applications from other banks, some banks are also resistant to too many recent credit report inquiries.

2. How to judge whether you have entered the gray list?

Generally speaking, if your online credit card application is rejected on the same day or the next day (that is to say, the record date is updated once and then rejected), it is very likely that you have entered the gray list, and your application It was killed directly by the system without any manual review.

If further verification is needed, there are two options:

(1) Call customer service and find a manual to ask the reason for rejection of the application record. Generally, customer service will say that the comprehensive score is insufficient. This is what you only need. You need to ask what the following rejection code is. If the answer is 942, then congratulations, you have entered the gray list.

(2) Go to the local card department (people in general branches have no limit, they can only print 1738) and print the 1830 code to see if you are being followed.

3. How to remove the gray list?

(1) If the CIIS score enters the gray list, generally if you do not apply for three months, your score will be restored to more than 700 points.

(2) If you are forced to intervene by the card department, you can only wait until it expires and it will be automatically released, or you can go to the card department that locked you to find a reason and ask him to manually release it for you.

It is relatively easy to enter the gray list. Friends, please do not enter the "blacklist" of ICBC, as that will be more troublesome.

Is it difficult to apply for an ICBC credit card? The experience of applying for a credit card is here

The difficulty of applying for a credit card varies from person to person. After all, everyone’s credit conditions are different, and the bank’s threshold is also high or low. Many card friends ask, is it difficult to apply for an ICBC credit card? Whether you can apply for a card or not is decided by the bank. I can only share with you the experience of applying for a card.

kashen01415983, a member of a credit card forum:

At the end of 2016, I applied three or four times through the ICBC website, but all ended in failure;

Then I decided to go to an ICBC outlet to ask for the materials, and also prepared a proof of income stamped with the company’s official seal. I thought there should be no problem this time!

I submitted the application on March 3, 2017. I received a text message at noon on the 9th and it still failed.

The cardholder said he was very shocked. Is it so difficult to apply for an ICBC credit card? In fact, this is not the case. In fact, the cardholder has not mastered the trick of applying for a card:

1. After the online application fails, do not submit the application again;

2. It is best to provide the information when applying at the branch. Proof of financial resources, such as real estate certificate and vehicle driving license. If you don't have one, it is best to have a deposit with ICBC;

3. If you really can't get a card, it is recommended not to give up and apply for a credit card from another bank.

And card friend kashen01891362 said:

Personally, I feel that ICBC is not very difficult. Just tie it to your aunt’s savings card, swipe it for free, and then buy some financial products - Bu Bu To win, just wait for the aunt to introduce you, and then apply for a regular or gold card online. This is how I got there.

Credit card evaluation: Which ICBC credit card is the best to use in 2018? There is a lot of choice!

Summary: Whether it is difficult to apply for an ICBC credit card depends on your personal credit conditions and card application skills. Applying for a card blindly is definitely not possible and will have great side effects.

This ends the introduction on why it is difficult to apply for industrial and commercial credit cards and why it is difficult to apply for industrial and commercial credit cards. I wonder if you have found the information you need?