1, the credit information has been spent.
Although the degree of credit investigation is not overdue, it is also a bad performance for many banks.
After all, most of the credit investigation fees are due to multiple applications for credit cards or loans in a short period of time, which leads to frequent inquiries by banks or financial institutions. This will make the issuing bank think that there are high-risk behaviors and that you must be short of money. Considering the risk, it may not be easy to give you a card.
If you really want to apply for a card, it is recommended to apply for a joint card of major banks. For example: Taobao co-branded card, JD.COM co-branded card, Hungry, Meituan co-branded card and so on.
2. The debt is too high
The bank's approval of credit cards depends not only on the credit information, but also on the repayment ability of the applicant. And if the debt shown in the credit report is too high, the bank will think that your risk is high and your repayment ability is definitely not good, so this is also the reason why you can't get a credit card.
Pay attention to the liabilities shown in the credit report, including credit cards and online loans. Some friends may want to reduce credit card debt by stages, but the new version will show the monthly repayment situation, including the amount to be repaid, so it is of little use.
The above is the introduction of "is it a waste of credit information if you can't get a credit card?" I hope it helps you. In a word, there are many reasons why credit cards can't be done, among which credit reporting and liabilities are the most influential. You can find out the reason according to the above situation.