Online credit card applications are filled out by fake companies, and users' applications may be rejected by banks. According to insiders, incomplete application forms, insufficient materials, insufficient willingness to call back, and serious bad records are all reasons for CITIC's rejection of bank credit cards. In terms of credit line, too high and too low credit ratio and too high debt ratio are the factors that lead banks to approve credit line.

Extended data:

Three reasons for the rejection of credit card applications

(1) Call back and find that the will is not strong.

Applicants who don't answer the phone, or can't be contacted, or have no strong intention to apply for a credit card over the phone may be rejected. Because some customers don't want to get a credit card at all, the bank's credit card specialist has been pestering them, so they may deliberately fill in the wrong phone number, or call back and say that they don't know or don't want to get a credit card.

In this case, the head office may not approve.

(2) The information in the application form is incomplete.

When banks verify through other channels, they may refuse to apply if they find problems. The reason is also because these bosses are unwilling to apply for cards and deliberately fill in the wrong information.

(3) Have a serious bad credit record

If the credit card overdraws and fails to repay in time, it will form a bad record. It is understood that banks have different standards for the impact of bad records on credit card approval. Some banks can approve as long as there is no immediate debt or no overdue; Some banks can't have bad records in the past three years.

People's Daily Online-The boss with an annual income of one million was refused to apply for a credit card. The bank said there were three reasons.