1. does not meet the requirements.

Credit card applications have certain requirements, such as age requirements and income requirements. If the applicant does not meet the requirements for handling a credit card, the application for a credit card will be rejected.

2. Bad credit report

The credit card itself is based on credit information. If the applicant has a bad record, such as overdue credit information, and has not recovered a good credit information, then the application for a credit card will only be rejected.

Generally speaking, the application for a credit card is rejected in seconds, which is mainly caused by the above reasons. In addition, the high personal debt of the applicant will also affect the credit card application, but if the debt is not particularly high, it will not lead to the rejection of the credit card application.

Hard conditions for handling credit cards:

1. At least 18 years old, with full capacity for civil conduct.

2. Have a stable source of income

Have a stable source of income, usually require the applicant to have a fixed job, to ensure that there is a source of repayment every month, so as to avoid being unable to repay after swiping the card.

Of course, if the applicant can provide a continuous social security certificate, income certificate or fixed assets such as a house and a car in addition to a stable job, then his chances of applying for a credit card will be greater. Because there is a certain proof of assets, it shows that the applicant has enough repayment ability, and the bank is more assured to send you a credit card.

3. Good credit information

What is "good credit"? Including timely repayment, no overdue records and so on. When you submit an application to the bank, the bank will first check your personal credit report. Banks mainly check your credit card use/repayment information and loan information, and also include tax arrears records, civil judgment records, enforcement records, administrative punishment records and telecom arrears records. Credit information without "stain" will make banks trust you more.

Skills of handling credit cards

1. Choose the right bank to handle the credit card.

Choose the right bank and apply for a credit card that suits you with actual needs. Because of the different characteristics of each bank, each credit card has its own advantages. When you apply for a card, you can choose a bank that suits you according to your actual needs. Generally speaking, it is easier for commercial banks to apply for credit cards than state-owned banks, because banks compete with each other and commercial banks are still in the stage of laying the market, and they are more willing to issue credit cards to applicants with good conditions; Moreover, there are many credit card promotion activities in commercial banks, such as courtesy in handling cards. To encourage qualified people to apply. Credit cards of Bank of Communications, CITIC, Guangfa, China Merchants Bank, Xingye, China Everbright, Shanghai Pudong Development Bank and Citigroup are recommended.

2. Choose a card that is easy to get rid of.

Different credit card types have different application difficulties. For example, ordinary universal cards and gold cards are easier to apply than platinum cards, ordinary standard cards are easier to apply than special cards, and co-branded cards and theme cards in bank promotion are easier to apply than non-promotional cards.

It is suggested that when handling credit cards, you should choose a card with a relatively low card level that is being promoted by the bank.

3. Deposit a sum of money in the bank regularly or buy bank wealth management products.

Strive to become a high-quality customer of the bank. The bank will give you a green light for a time deposit certificate of more than 50 thousand yuan. If you don't have that much deposit, you can first set up a savings card in this bank for daily capital transactions. It is also helpful to open several bank accounts and get a card.

What is the probability that China Merchants Bank's credit card will not be approved in seconds?

What is the probability that China Merchants Bank's credit card will not be approved in seconds?

If the conditions are met, you can pass.

Conditions for applying for a credit card:

1. At least 18 years old, with full capacity for civil conduct;

2. Have a good credit record;

3. Applicants may apply for no more than two supplementary cards for their spouses or relatives with full capacity for civil conduct.

Credit card application materials:

1. Identity information: copy of resident ID card or military officer's card;

2. Proof of work and income;

3. Other financial certificates: such as a copy of the real estate license, a copy of the automobile driving license, a copy of the deposit certificate, etc.

Credit card application method:

1. Bring the credit certificate to the counter to apply: the applicant needs to submit a relatively complete asset certificate and submit it to the bank for review by the bank's background audit department.

2. Online banking application: The applicant opens online banking with a personal savings card account, enters the required bank official website, and enters the online banking page after entering the login password and verification code. Click "Credit Card Service", you can choose to apply for a credit card under the credit card service page, fill in the information and submit it, and the review progress and results will be displayed on the online banking.

1997 can I apply for a credit card? What are the chances of approving the card?

1997, the age meets the requirements. Mainly depends on whether you can provide proof of work. If you are a college student, you may not be able to apply, or you can only apply for a campus credit card, which is a credit card with a limit of 0.

Is it possible to apply for a credit card or apply for a card?

Hello, if you need to apply for a credit card in our bank, you can't generally apply for a card with a card. What are the conditions and information needed to apply for a card?

Conditions: Applicants should be 18~60 years old (foreigners are 25~60 years old), have certain economic ability and good credit record. Please refer to the actual audit of our credit card application results.

Information: copy of our credit card application and ID card (foreigner: passport and residence permit or employment certificate; Taiwan Province people: Taiwanese certificate, employment certificate; Hong Kong and Macao people: Home Visit Permit and Employment Permit/Residence Permit) and the work certificate issued by the unit.

In addition, it is helpful to improve the credit limit by providing the following information, such as: a copy of the running list of China Merchants Bank's savings account in the past three months; Original proof of asset balance of wealth management account opened by China Merchants Bank; A copy of the property ownership certificate (including my name), and a copy of any water, electricity and coal invoices of the property in the last 3 months; A copy of my driver's license.

If you meet the above conditions, you can try to apply. I wish you success in handling the card!

(You can consult any credit card service information of China Merchants Bank online through QQ or WeChat. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2: Search "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center. )

How big is the credit card limit of China Merchants Bank's automobile driving license?

If you apply for a credit card, the car driving license has little to do with the credit card amount, but the credit card amount has something to do with the income certificate and property certificate.

Bank credit card application conditions:

1. Age requirements: domestic residents should be 18-65 years old, and foreigners should be 25-65 years old;

2. Job requirements: have a stable work unit, income and fixed residence;

③ Credit requirements: no bad credit record. The supplementary card applicant must be the parent, spouse or child of the main card holder, aged between 16-65.

Bank credit card application materials:

(1), identification information:

Copy of resident identity card or military officer's card; If you are Hong Kong and Macao compatriots, you need to provide a copy of the mainland pass and residence certificate for more than one year; If you are a foreigner, you can provide a copy of your passport and residence permit for more than one year.

② Proof of work and income:

Salary certificate or business card and photo badge.

Proof materials that can prove that you have good economic strength: copy of real estate license and copy of automobile driving license; Copy of bank loan account (good credit, overdue for no more than 60 days) or deposit certificate.

Excuse me, if China Merchants Bank's credit card is a door-to-door card, what are the chances of approval?

Well, the probability is quite high. If you come to the door, you may be asked to provide all the preparatory documents in detail, so that the bank audit will be more credible and more convenient than going to the bank counter yourself. And the credit card staff who come to the door will also get a commission. If you don't do it, it will affect his income. Card participation only!

CCB has a pre-approval quota. Can I apply for a credit card here? What are the chances?

Not sure, having a pre-approval quota does not mean that it can be approved.

The basic conditions for applying for a CCB credit card are: at least 18 to 70 years old, with full capacity for civil conduct; Have a stable occupation and income, be able to repay the principal and interest on time, and have a good credit. If it meets the requirements, it is very likely to be approved.

You can apply directly online at CCB official website. If you have CCB's online silver shield, you can choose to verify it when you apply, and you don't need to go to the outlets to sign it in the future. If the new customers who have not verified the online banking shield must face-to-face, the bank will send a text message to let you go to the nearest CCB outlet for face-to-face interview after passing the preliminary examination. When signing face-to-face, you only need to provide the original ID card without other materials. In addition, mobile banking and WX (China Construction Bank) can also apply for credit cards. If you can submit some financial proof and hope to get a higher quota, it is recommended to prepare your ID card and financial proof and apply at a nearby CCB outlet. Pay attention to SMS after application, and the bank will send SMS after the progress and results of the audit.

Isn't the second batch of Everbright Credit Card displayed on this app? Excuse me, which app shows that the second batch of credit cards are similar to those of other banks, so that the application can be passed.

To apply for a credit card, you must be at least 18 years old and have a stable income or other economic proof before you can apply for a credit card.

Credit card processing conditions:

1, the minimum application age stipulated by the bank is 18 years old, and the maximum application age is 60 years old;

2. I need my second-generation ID card;

3. There is a work certificate and income certificate stamped with the financial chapter of the unit;

4. No bad credit record;

5. Other financial certificates, such as real estate, automobiles, stocks and bonds.

Materials required to apply for a credit card:

1, applicant's ID card;

2. Credit card application form of the application bank;

3. Work certificate and income certificate stamped with the financial seal of the unit;

4. Individual businesses need individual business licenses and tax bills for nearly three months;

5. Other financial proof: income tax withholding certificate; Copy of self-owned real estate license; Copy of self-owned car driving license.

Credit card application process:

1, fill in the application form;

2. The information of the bank itself and a copy of the information;

3. The bank sends it to the credit card center;

4. The credit card center conducts audit, business card printing and card issuance;

After getting the card, I will open it and wait for the password letter.

The application for Pudong Development Credit Card is still being processed. What are the chances of passing it?

Processing conditions by card

The main card applicants are basically China citizens (including Hong Kong, Macao and Taiwan) and foreign citizens with full civil capacity between 18-65.

Supplementary card applicants must be at least 13 years old.

Information to be provided for credit card processing of CCB:

When filling in the application form, please provide copies of the identity documents of the applicants of the main card and the sub-card (domestic personnel provide resident identity cards, overseas personnel provide passports, Hong Kong and Macao residents' passes to and from the mainland, and visit relatives or mainland travel permit for taiwan residents).

Providing your own work certificate, income certificate, real estate certificate, automobile production certificate, financial assets certificate and other supporting materials will help your application to be processed as soon as possible.

Credit card limit is the maximum limit for overdraft consumption and cash withdrawal for cardholders according to the information and credit status provided by cardholders when applying. Available credit limit refers to the unused credit limit in your credit card. The available amount will decrease with each consumption, and will be restored accordingly with your repayment in each installment.

Puka: 1 0,000-10,000, where there is no gold card, you can get 50,000;

Gold card: 10000-50000, city cards only have gold cards, with a quota of 50000-50000;

Platinum card: 50,000 plus temporary quota. Basically, there are more than 60,000, and there are more than 200,000;

Unlimited card: Only platinum cards are invited to issue cards, saying that it is unlimited, but there is still a quota. Like platinum cards, the temporary quota is 5W. Get a card and withdraw cash. You can call me.

Ping An Bank's credit card approval is so inaccurate.

Peace is rubbish. My card has been used for almost 2 years, and it has not expired once. I didn't approve it twice Always say no for the second time.

Is it possible to use social security card and work proof credit card?

It depends on your previous credit history. If it is the first time to apply for a bank credit card, it doesn't matter.

China Merchants Bank credit card has no second approval and no second rejection.

The reason for this is the following：

1. CMB credit card application is comprehensively evaluated by the system. When China Merchants Bank applied for a credit card, the second refusal was generally due to incorrect user information or poor credit information.

2. If there is no second refusal, the system will examine the basic personal information filled in by the applicant in detail, and users with good credit qualifications are more likely to pass the system examination.

3. It generally takes 65,438+00 working days from the receipt of your application materials by the audit department to the completion of the credit card audit. Make a card within 2 working days after the approval, and then register and mail it according to the billing address. Generally, the sending time of registered letters is 15 days.

There are four common reasons why China Merchants Bank's credit card application is rejected.

Compared with other banks, the application threshold of China Merchants Bank's credit card is lower, and there are more cards to choose from. If the cardholder is rejected when applying for China Merchants Bank credit card, what are the reasons? Today, I sorted out some common reasons why China Merchants Bank's credit card application was rejected, to see if you have touched a minefield.

1. Does not meet the conditions for issuing cards.

Some credit cards will attach conditions to the applicant, and when the applicant does not meet the conditions, the application will fail. For example, the YOUNG card of China Merchants Bank is issued to young people under 30. If you are over 30, you can only refuse.

Two. The application materials are incomplete or incorrect

Incomplete or untrue application materials provided by the applicant are also the reasons for the failure to apply for a card, so the applicant should ensure the integrity and authenticity of the materials. Provide more comprehensive application materials, such as financial proof, which will also help you apply for a high credit card.

Third, I missed the credit call.

Some banks will pay a phone call back to the applicant during the credit card review process. If you miss the credit call, it is likely to lead to the failure of the credit card application.

Fourth, there is a bad credit record.

Banks will go to the central bank to check your credit history when reviewing credit card applications. If you have bad credit, it means that you are a person who doesn't pay attention to integrity, and issuing a card to you needs to bear a high risk of default. Bad credit records include overdue repayment of credit cards and repayment in loans overdue. It is natural for China Merchants Bank to reject your credit card application.

Want to apply for China Merchants Bank credit card? Provide you with a safe and quick way.

So much for the introduction of China Merchants Bank's credit card.