Reasons for rejection of credit card applications:

1. Unclear personal credit report

It is normal for those with poor credit records to be rejected when applying for a credit card. Before applying, be sure to check your credit report for the past year.

2. The basic conditions are not up to standard

You are underage or your job is not stable enough, which makes the bank feel that you have no ability to repay.

3. There are problems with the application materials

On the one hand, applying for a credit card requires the preparation of complete information, ranging from basic personal information to proof of financial resources. If the applicant provides detailed application information and it can be effectively verified, the possibility of credit card approval will be greatly increased. On the other hand, filling out the application form is also a technical job. For example, the recommender, company phone number, and card sending address in the application form are all bonus points for applying for a credit card, so don’t ignore them easily!

4. The overall credit score is low and average

Possibly It is because a certain factor in your personal qualifications is not up to standard, causing the comprehensive score to fail to meet the requirements stipulated by the bank. Therefore, in daily life, you must pay attention to all aspects.

5. Frequently apply for credit cards

When the bank approves the credit card applicant's information, it will query the applicant's credit report. Therefore, a record of the bank's credit report will be left. If an applicant applies for credit cards intensively in a short period of time, the bank may easily suspect him of being a high-risk customer, which may lead to his card application being rejected.

Notes on using credit cards:

1. Pay attention to two dates: billing date and repayment date

Generally, the repayment date is 20 days after the billing date. Or 25 days, if the card is swiped one day after the bill date, the interest-free period will be the longest, if the card is swiped the day before the bill date, the interest-free period will be the shortest.

2. Protect the credit card information

The three most critical information on the credit card: card number, expiration date, and CVV code. These three key information affect the security of your card use. , especially the CVV code, which is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people even use a razor blade to scratch off the CVV code directly, and keep those three numbers in mind.

3. Only by swiping your card frequently will you be able to avoid annual fees; only by paying your bills on time can you increase your credit limit

Generally, the annual fee will be waived if you swipe your credit card six times. Therefore, you must pay the annual fee, swipe your card more often, and increase your credit card limit. At the same time, pay back on time and maintain a good credit record. This is also a way to increase your credit limit. Moreover, mobile POS cardless payment is also very convenient and belongs to online consumption. Combined with daily offline consumption, multiple combinations can be used.

4. Choose the repayment method that suits you best

In this information age, repayment methods are diversified, and you don’t have to go to a bank branch or teller machine to transfer money. Repayment.

5. If your funds are not flowing smoothly, or your repayment is delayed due to something, you can call customer service to apply for an extension of repayment

If your funds are temporarily unable to be circulated, or your repayment is delayed due to something. If your repayment is delayed, don't worry, call the bank customer service immediately and apply for an extension of one to three days.