Why can’t I apply for a credit card for the first time?

Card friend Xiao Wu applied for a credit card for the first time. I applied many times but couldn’t apply. I want to know. what is going on. Generally speaking, if your application for a credit card is rejected, the bank will not directly tell you the reason for the rejection. It will only say that the comprehensive score is not enough and the application cannot be processed. As far as we know, there are many reasons why credit card applications are declined. Let’s take a look.

1. Incomplete information

The most common reason why credit card applications are rejected is incomplete information, which is what the bank calls insufficient comprehensive score. The comprehensive score here refers to your age, length of service, The more information you provide about salary, education, position, personal property status, etc., the better, but you must ensure the authenticity of the information and don't take any chances that the bank will not check it. In addition, the four major state-owned banks need more complete card application information. Generally, you need to pay social security for more than half a year before you can apply for a card.

2. Have overdue records

If you already have a credit card, you should check whether you have any bad records before applying for other credit cards, because many people don’t know that they have one. Overdue, if the overdue amount is not serious, you can negotiate with the bank to cancel the card. In addition, the bank will also check your normal credit record, such as your phone bill, water and electricity payment, social security payment or tax payment, etc. If you do not have these records, or the payment time is too short, the bank will reject it.

3. Nature of work

The reason why some banks refuse to approve the card is related to your job position and nature. If it is a state-owned enterprise, it is very easy to apply for the card, and the limit will not be low. But if you are in the financial or investment industry, you may be rejected, because banks will consider this industry to be risky. At this time, you can change your job position. It is better to write as an ordinary employee, but do not reveal it when the bank applies for credit. trap.

4. Did not receive a credit reference call

After submitting your credit card application information, most banks will make a credit reference call, sometimes to your company, so you need to ensure that You will definitely receive it. If you don't receive it once or twice or the call cannot be reached at all, the bank will think that your information is untrue and will not be approved.

5. Didn’t choose the right credit card

Some credit cards are opened for specific groups of people. Before applying, be sure to check whether you meet the conditions. Don’t just apply if you think it looks good. Bank The card will not be issued.

Tip:

After applying for a credit card and being rejected, the bank will say that it will take three months to half a year before you can apply again. In fact, you don’t need to. You can apply again after the application fails, but it does not necessarily mean that you will be able to apply again. If you pass, and if you fail to apply for this bank, it will not affect your application to other banks, so you can try another one~

Why is it becoming more and more difficult to apply for 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. 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. 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 these two reasons limit 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 imprudent 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 too much 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!

What's the reason why I couldn't apply for a credit card for the first time? I can't get off, and I don't know what's going on. If you ask the bank staff, they will definitely not be able to tell you the accurate and specific reason. So what are the reasons why you failed to apply for a credit card for the first time? Today I will help you list them one by one, and you can analyze them yourself!

1. The information provided is incomplete or the information is wrong

The most common reason for a credit card application being rejected is that the information provided is incomplete or the information is wrong. The bank says that the comprehensive score is insufficient. Including: your age, length of service, salary, academic qualifications, position, personal property status, etc. The more information you provide, the better, but you must ensure the authenticity and accuracy of the information. The bank will verify the information you provide. You must not There is a sense of luck. In addition, the four major state-owned banks need more complete card application information, and generally you need to pay social security for more than half a year before you can apply for a card.

2. Nature of work

The nature of your work determines your salary, including the level of salary and the stability of your work income. For example, if your job is in a state-owned enterprise or public institution, then it is easier and faster to apply for a bank card; if your job is in the nature of sales, venture capital, etc., then the bank may have certain concerns about the nature of your work. Due to job instability and salary income uncertainty, banks may directly reject your application.

3. Poor credit report and overdue records

If you have credit card consumption or other loan records in the past, you have been overdue for many times or overdue for a long time when repaying. If it is seriously overdue, the record will be included in your personal credit system. Then the bank will definitely determine that you do not meet the conditions when reviewing your qualifications. Because credit reference is a very important review condition that must be taken into account.

4. Problems arise during the bank return visit

After submitting the credit card application information, most banks will make a credit reference call, sometimes to your company. This requires ensuring Someone must answer the phone number you provided and be able to cooperate with the bank staff to answer the return visit. If no one answers the phone after several calls or the call cannot be connected at all, the bank will consider your information to be untrue and reject the application.

5. The types of credit cards are inconsistent

Some credit cards are opened for specific groups of people. Before applying, be sure to check whether you meet the conditions. Don’t apply directly if you think it looks good. The conditions are not met. The bank will not issue the card.

If the bank credit card you applied for is rejected, you can refer to the above reasons for troubleshooting. Be clear about the application conditions before applying. If the conditions are obviously not met, there is no need to do useless work. But if your own conditions are okay, you can change your bank and apply again after your application fails, and you might be able to pass.

Why is it difficult for some people to apply for a credit card? There are several reasons.

Many people think that credit cards are easier to handle without collateral, but this is not the case. As a bank product, no matter how low the credit card threshold is, there are still requirements. The bank will conduct a comprehensive assessment of the applicant's situation and only if the score meets the standard, the application will be rejected. Otherwise, the application will be rejected. Some people find it difficult to apply for a credit card, but they all have these characteristics. Let’s take a look.

Why is it difficult for some people to apply for a credit card?

1. Insufficient age: Age is one of the factors that banks use to judge an applicant’s repayment ability. Although you can apply for a card if you are over 18 years old, generally those over 22 to 45 years old are more popular. , this is the right age for hard work, the income is relatively stable, and most of them have families, and their repayment ability is also stronger. If you are too young, your income may be unstable; if you are too young, your health and income may not be as good as before.

2. Have bad credit: In the credit society, good credit is very important, especially when applying for a credit card. If the applicant has a credit record and has always repaid the loan on time, it means If you are willing to repay and have the ability to repay, it will be difficult to apply for a credit card if you have bad records or violations.

3. No stable income: Although some people are working, they are not stable, such as salesmen, insurance agents, waiters, etc., and there are also various sensitive occupations where it is difficult to apply for a credit card; For those who have worked for less than a year, some may not even be able to pass the probation period, and banks will not take the risk in approving a card. Usually only those who have worked more stably for more than one year can easily apply for a card.

4. Carrying too much debt: If the applicant owes a lot of loans and credit cards, and the debt is found to be too high on the credit report, his monthly salary will have to be used to pay off the debt, and even basic living expenses will be lost. There is no guarantee that the bank will definitely reject the credit card application because they are afraid that they will not be able to pay back the credit card.

The above is the relevant introduction to "Why it is difficult for some people to apply for a credit card". I hope it will be helpful to everyone.

What’s wrong with not being able to apply for a credit card?

Many netizens now apply for one or two credit cards, because credit cards are very practical. They can not only make purchases in advance, but also Working capital, do netizens know what’s going on if they can’t get a credit card? Follow me below to find out.

1. We must first look at the application conditions clearly. It seems clear that the student card and female card may have age restrictions, so we were unable to apply.

2. Also, our card applicants must fill in all the information neatly, because this is a very important basis for all banks to approve cards. Especially if you are applying for the first time, these information must be filled in.

3. Also, if the bank staff receives a credit card application, they will also check your credit record through the platform. If the credit record is not good, the card will not be approved. If it is easy, the card will not be approved. The possibility is very high.

4. Our bank staff will also ask the system to score you. If you really meet the bank's score, you will be approved for the card. If you do not meet the score, you will definitely not be approved for the card. , you will also receive a message that the card is not approved.

The above is an introduction to what happens when a credit card cannot be applied for. I hope it can help netizens.

Why the credit card application cannot be processed

What are the reasons why the credit card application is rejected? What are the reasons why the credit card application cannot be processed.

Reasons for users being rejected when applying for credit cards: frequent applications for various credit services in a short period of time; poor personal credit, with overdue records in the credit; personal debt ratio is too high and repayment ability is insufficient; there is no stability job and income; does not meet the age requirement for applying for a credit card; the user has been blacklisted by the bank.

When the above situation occurs, the user's credit card application will be rejected. The user must solve the problem first and then apply for a credit card. Repeated applications will only cause the personal credit report to be ruined.

What are the reasons for failure to apply for a credit card?

1. Age does not meet the requirements: Generally speaking, if the user is 18 years old and above, then he or she can apply for a credit card. However, some banks or some card types have stricter requirements, requiring you to be between 22 and 23 years old.

2. Too many credit cards have been applied for: Because users rely on their current credit to apply for loans or credit cards, banks will have an estimated upper limit. If you have applied for multiple credit cards at the bank and the credit limit is close to the upper limit, then you may easily be rejected if you apply again.

3. Personal repayment ability is average: Credit card debt must be repaid every month, which naturally requires users to have a stable source of economic income. It is very difficult for people without jobs to apply.

4. Credit reporting: If the user has had serious overdue payments or has high personal debt, it will be visible on the credit report, and the bank will reject it due to risk considerations.

The following are the credit card channels for Ping An Bank, China Merchants Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, China Minsheng Bank, China Everbright Bank, and China CITIC Bank. If you need it, you can apply by yourself!

Credit card application for China Merchants Bank and Ping An Bank

Credit card application for China Everbright Bank and China CITIC Bank

Credit card application for Agricultural Bank of China and Minsheng Bank

About This ends the introduction of why it is difficult to apply for a credit card and why it is easy to apply for a credit card. Did you find the information you need?