China Merchants Bank Credit Card is the gospel for young white people to apply for a card. It can be said that it is to attract young people from preferential activities to card types, and it is easy to raise the amount and offer many discounts. However, it should be noted that its risk control is also very strict, and many card friends were rejected by banks when applying. Why?

why was the application for China merchants bank credit card rejected?

One of the following reasons may lead to the rejection of card friends' credit card applications at China Merchants Bank:

1 The card issuing conditions are not met

Many users do not carefully read the application conditions when applying for credit cards. Many credit cards have application conditions, such as student card, female card, membership card or age limit. These problems will directly lead to the rejection of the card application. The applicant should be over 18 years old (inclusive) (foreigners are over 25 years old (inclusive)).

2 Insufficient application materials

Card applicants must pay attention to the authenticity and integrity of the application materials, which is an important basis for banks to approve cards. This information is especially important when applying for a credit card for the first time. If the necessary information is not sufficient when applying for China Merchants Bank credit card, the result can be imagined. Required information: application for credit card of China Merchants Bank, copy of front and back of ID card (foreigner: passport and residence permit or employment permit; Taiwanese: Taiwanese certificate and employment certificate; People from Hong Kong and Macao: Home Visit Permit and Employment Permit/Residence Permit) and work certification documents issued by the unit.

3 Bad credit

After receiving the credit card application, China Merchants Bank will check the applicant's credit record through the credit information platform. If you are blacklisted by the bank because of your bad credit record, the chances of China Merchants Bank giving you a card are very small.

4 The bank's score is not up to standard

China Merchants Bank uses a scoring system to automatically score users. Only when the score is above the score set by the bank can the card be approved, and if it is not reached, the card will be rejected.

Credit card application review needs to be comprehensively evaluated by China Merchants Bank's credit information system, and there are many reference factors, such as age, job stability, income, credit history and so on. If the applicant's work or financial information changes, he can re-submit the information after 3 months.

after reading xiaobian's summary, I believe everyone has a new understanding of why China merchants credit card can't be applied. In short, if China Merchants Bank fails to apply for a credit card, there must be reasons behind it. Card friends need to look at themselves more and see where they have problems, and then solve them.