If you apply for a credit card of our bank, the application review is a systematic and comprehensive evaluation, and there will be many reference factors, such as work, income, stability, personal credit and so on, which are not determined by unilateral factors. Perhaps the information attached to your application did not fully show your personal situation, which led to the failure of your application. If your work or financial information changes, you can reapply 3 months after the first application.

Reasons for the failure of China Merchants Bank's credit card application/card application.

First, the common reasons for the failure of China Merchants Bank credit card application

1. Bad credit record: When the bank reviews the credit card application, it will go to the central bank to check your credit record. If you have bad credit, it means that you are a dishonest person, and the risk of issuing a card to you is high. This kind of bad credit includes credit card overdue repayment, loans overdue repayment and so on.

2. Unqualified: Some credit cards will attach conditions to the applicant. When the applicant is unqualified, the application will fail.

3. Missed phone calls: Some banks will call the applicants. If they miss the phone calls, it is very likely that the credit card application will fail.

4. Incomplete application materials: Incomplete or untrue application materials provided by the applicant are also the reasons for the failure of the application card, so the applicant should ensure the integrity and authenticity of the materials.

2. How did China Merchants Bank successfully apply for a credit card?

1. Provide detailed application materials.

When applying for China Merchants Bank credit card, it is best to provide sufficient materials to prove it. For example, there are only simple materials such as a copy of the ID card, so the probability of passing is relatively small. However, if you have a house and a car, and can submit the purchase contract, vehicle driving license and other materials, the probability of approval will be much greater.

2. Choose a card handling channel that is easy to get off the card.

Generally speaking, it is easier to pass the audit and the process is faster to handle credit cards through online channels than offline counters. The disadvantage is that the initial amount may be relatively low.

3. Ingeniously answer credit calls.

Generally, after passing the preliminary examination, the bank will make a credit call to verify the applicant's situation, so be sure not to miss the call, and pay attention to some answering skills when answering the phone to ensure that your answer is consistent with the application materials provided, and there is no big discrepancy, which is easy to win the trust of the bank.

Summary: The unsuccessful credit card application of China Merchants Bank is actually the result of comprehensive score. In addition to the above reasons, it depends on the applicant's comprehensive situation, including education level, marital status, housing situation, income level and so on.

Applicants are advised to provide true and detailed application materials when applying for a credit card. In addition to the basic materials, they can also provide supplementary materials such as property certificates and income certificates to improve the success rate of card processing.

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.

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