Why is it difficult for a white household to apply for a credit card? It is not difficult to apply for a credit card for a white household by grasping these four points.
There are no longer a few examples of credit cards for a white household that have been rejected many times, although they have not been If the credit card is overdue or has other bad credit records, but the credit record is blank, the bank has no evidence to rely on when approving the credit card, and it is inevitable to bear risks when approving the card. So, why is it difficult for white households to apply for a credit card? What factors prevent white households from successfully applying for a credit card?
1. Not meeting the application conditions
Applying a credit card for a white household is your first contact with credit business, and there are many application conditions and entry thresholds for applying for a credit card. For example, you need to be under 18 years old. to 65 years old, and have good and stable repayment ability; in addition, there are some special card types that have their own special application conditions. As it is the first time to apply for a credit card, many friends may not know the conditions for applying for a credit card, so it is naturally difficult to blindly apply for a card.
2. Insufficient preparation of application materials
For credit card approval, the bank will make a comprehensive evaluation based on the materials submitted by the card applicant. As a credit card applicant applying for a credit card, the application materials are particularly important. important. For example, salary slips, work certificates, labor contracts, deposit certificates, real estate certificates, vehicle driving licenses, etc. Materials that can prove your repayment ability must be shown. It is difficult to gain the trust of banks by simply submitting proof of identity and income.
3. Wrong choice of card level
Credit cards are divided into many card types such as regular cards, gold cards, platinum cards, etc. Different types of cards have different limits and benefits. The conditions for applying for a card are naturally different. If the person applying for the card is from a white household and his financial strength is not particularly strong, it is recommended to start with the general card application. If you blindly pursue high-limit and high-level credit cards, it will inevitably make it difficult to apply for a credit card.
4. Didn’t choose the right application channel
Why is it difficult for a white household to apply for a credit card? The above are the four points summarized. Of course, you can also choose to apply for a credit card. The threshold is low, the review is fast, and there are no fees in the whole process. When filling in personal information, you will directly jump to the bank's official website, so you are not afraid of information leakage.
Why is it so difficult for Baihu to apply for a credit card?
Many card friends asked, saying that they were always rejected when applying for a credit card for the first time, and they wanted to know why it is so difficult for Baihu to apply for a credit card. . In fact, the biggest reason why Baihu’s credit card application is always rejected is because their credit record is blank and the bank has no way of knowing their repayment ability, so they will not apply for the card easily. So, how can Bai Hu apply for a credit card? Let’s take a look below.
Why is it difficult for white households to apply for a credit card?
Many cardholders who apply for a card for the first time are called white households because they have never applied for a credit card or loan. The so-called white households are people who have no personal credit record in the People's Bank of China's credit reporting system.
A big reason why it is difficult for these people to apply for a credit card is because their credit record is completely blank. The bank has no way of knowing your credit status, nor can it judge whether you have a certain ability to repay. , in order to control risks, banks are very cautious in approving cards for such people, and the level of review on them is even more stringent than those who have overdue cards.
This means that if you are a white householder and want to apply for a credit card, your personal conditions must not be too bad. Maybe someone else's income is not as high as yours, and their education level is not as high as yours, but if they have a good card usage record, the bank will be willing to approve the card.
How to apply for a credit card with a white account?
However, many cardholders start from a white account and gradually become card gods, which means that everyone cannot escape the first Once, then, for a white household, how can one get a first card in life? Here are three methods:
1. Don’t start with credit cards from the four major state-owned banks at the beginning. Of course, if your financial conditions are very strong, you can ignore it. Friends with average financial 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 relatively tolerant of white accounts, so it is best to choose a credit card from such a bank as your first card. Not a bad choice.
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. This is also A plus when you apply for a credit card.
3. Do not 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 detrimental to the credit card approval.
4. Start with Puka. Although gold cards and platinum cards have higher credit limits and more generous benefits than ordinary cards, many banks will not issue gold cards or platinum cards to friends who are applying for a card for the first time because they have never owned a credit card. There is no way to know their repayment ability. Even if the applicant's income is high, they will only be issued a regular card. After the white household gets the regular card and uses it for half a year or more than a year, it will be easy to apply for a gold card or platinum card.
Why are Baihu’s online credit card applications always rejected?
It is convenient and fast to apply for a credit card online, but not everyone can successfully apply for the card, especially for Baihu. It is common to get rejected when applying for a credit card online. So, why is Baihu’s card application always rejected? What is the reason? Let’s analyze it for everyone.
Why are Baihu online credit card applications always rejected?
1. The applicant does not meet the most basic conditions for applying for a card, such as being under 18 years old, or being too old, exceeding the bank's restrictions, and having no stable source of income and being unable to prove that he has repayment ability.
2. There is no credit card business in the area. In some third- and fourth-tier cities and rural areas, banks do not carry out credit card business. It is more difficult for users in the above areas to apply for credit cards.
3. Credit-blind account. People who apply for a credit card for the first time have no previous credit record. It is difficult for banks to judge their credit quality, so it is easy for the card application to be rejected.
How long does it take to apply again after your card application is rejected?
After your application for a credit card is rejected, do not rush to apply again and again, and try not to apply to another bank immediately. This is because when you apply for a credit card from the bank, you agree to the bank checking your credit record in the People's Bank of China's credit reporting system, and the bank's behavior of checking your credit record will also leave traces in the credit reporting system, and banks can see you from each other. How many times has it been queried in the credit reporting system, and which banks have checked it. Applying for credit cards multiple times in a short period of time will make the bank think that you are eager to use money and have a higher credit risk, making it easier to reject the application.
If you are rejected when applying for a credit card, it is recommended that you first clarify the reasons for the rejection and try to improve your qualifications. It is best to apply again after six months. If your online application is always rejected, it is recommended that you try to apply at the counter with relevant information.
That’s it for the introduction of Baihu’s credit card.