When can I not apply for a credit card?

The reasons for not applying for a credit card are as follows:

Credit cards are rejected for many reasons. These are the four most common reasons. Some reasons can be seen directly, and some reasons for refusal are analyzed afterwards. Because of the real refusal, the bank will not tell the cardholder. Banks will only perfunctory cardholders on the grounds that the comprehensive score is insufficient. Unless there are acquaintances in the bank, then you can see the real reason for the rejection. However, even if you see it, you can't understand it, because you have to look at some reasons for rejection from the bank's point of view, so that you can understand.

First, the score of application materials does not meet the requirements of the first card.

When you apply for a credit card, you must first submit a credit card application form. All information in this application form has corresponding scores. If all the scores are added together, the bank's issuance conditions cannot be met. Then your credit card application will be rejected. For example, the score of undergraduate education is higher than that of junior college education, and the score of owning a house is higher than that of renting a house. If the information you fill in is inconsistent with your actual information, the bank will refuse your application by providing false information. So when filling out the application form, you must take it seriously.

Second: there are overdue records or credit reports.

It is one of the most important bases for banks to audit cardholders. If there are overdue records in your credit report, then the bank will worry about whether your credit card will be overdue if it is issued to you. Then in order to prevent losses, the bank will directly reject your application. The same is true for credit reporting. There are many loan and credit card applications in your credit report. If I send you a card, the bank will worry that you can't afford it.

Third, excessive debt or credit.

For example, if you have three credit cards, the total amount is 65,438+10,000, and you spend 80,000-90,000 per month. Then this is high debt. When the bank examines your credit information, you can see your debt ratio. Then your application will definitely be rejected. The same is true of excessive credit. Three credit cards, the total amount is 6,543,800 yuan, but your monthly income is only 4,000 yuan. Then the bank won't increase your credit limit.

Fourth, the bank blacklist.

For example, your credit information is very good and your income is very high. But you were sued and the court ruled against you. Then this information will also lead to your application being rejected. There is also the industry blacklist. For example, if your job is to go to sea as a sailor, then such industries are all high-risk industries in the eyes of banks. Once you have an accident at sea, the bank can't recover the debt. So these industries belong to the blacklist of banks.

Finally, to sum up, there are several reasons why the credit card application cannot come down: 1. The score of the content filled in the application form does not meet the issuance conditions of our bank. 2. The credit information has expired, or has expired at present. And there are many loan and credit card application records in the credit report. 3. The debt or credit in the credit report is too high. 4. It belongs to the bank blacklist.