Credit card applications are always rejected for the following reasons.

1. The applicant does not meet the most basic conditions for handling the card, and may be under 18 or over-aged, exceeding the limit of the bank.

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.

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

What's wrong with the credit card?

Nowadays, many netizens will apply for one or two credit cards, because credit cards can be described as very practical, not only for consumption in advance, but also for working capital. So do netizens know what will happen if the credit card is not available? Let's follow me to find out.

1, first of all, it depends on the application conditions. Look carefully at the student card and the female card. There is still an age limit and you can't apply.

2. In addition, our card holders must fill in all the information neatly, because this is a very important basis for all banks to approve cards. Especially when applying for the first time, this information must be filled in.

3. In addition, if the bank staff receives a credit card application, they will also check your credit history through the platform. If the credit record is not good, they will not approve the card. If it is good, there is a great possibility of approval.

Also, the staff of our bank will ask the system to give you a score. If it really reaches the bank's score, it will be approved. If not, you will definitely not be approved, and you will also receive a message that the card will not be approved.

The above is the introduction of what credit cards can't do, and I hope it will help netizens.

Why can't I get a credit card?

Credit card applications can't come down, mainly because visas are refused. For example, when a flower shop opens, the amount of IOUs in JD.COM is very high, and personal credit inquiries are frequent.

Although no credit card is used, consumer financial products such as Ant Flower Shop and JD.COM Baitiao may be regarded as the risk of multi-head lending by banks as long as they apply for this credit, just like bank credit cards. Another reason is the frequent personal credit inquiries. If the personal credit inquiry is conducted intensively for a period of time, the credit card will also be rejected.

For example, a person's credit card and consumer financial products add up to 400,000, which usually exceeds 50,000. However, the bank can't see the daily consumption from the credit information system. It can only see that you already have a quota of 400,000, and the bank will worry that increasing the quota will exceed the cardholder's repayment ability.

Therefore, if you want to apply for a credit card, you need to find out the reasons why your personal application failed. You can check personal credit through bank or online credit information, find out what problems exist, solve them, and then apply for a credit card from the bank.

Extended data:

Apart from opening high-value financial products such as JD.COM Bai Hua or Baitiao, and frequent personal credit inquiry, there are many reasons why personal credit card applications are not approved.

For example, the contact information is not my own. In the process of credit card approval, it is very important to check the information with the applicant by phone after checking whether there are past overdue records, personal work and income level. However, there will be many problems in this link.

It is also through filling in personal information online, because the mobile phone number has not been directly rejected by the real-name registration system. Although the real-name registration system has been established for new mobile phones in recent years, a number of old phones in previous years have not been fully registered, and there are not a few cases in which family members change their numbers.

In addition, in the information verification link, there have been cases where the contact person is unaware or unwilling to be a contact person, the applicant's relatives in different places can't be contacted, the card type and amount approved can't meet the applicant's requirements, and then the applicant refuses to accept it, the applicant's work and residence are not in the branch city of the bank, and the applicant does not meet the conditions for collective card handling, which may be the reasons for the bank's refusal to approve the card.

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 why you can't get a credit card and why you can't get a credit card. I wonder if you have found the information you need?