For many people, it is relatively easy to apply for a credit card, and some can even be approved in seconds. But there are also people who fail to pass the review. Why don't they pass the review? Next, let's take a look at the reasons why the review fails?

The reasons why the credit card application fails to pass the review

1. Customer The age does not meet the standard. For example, China Merchants Bank's YOUNG Card (Youth Edition) is only available to customers under 30 years old (inclusive). If customers over 30 years old apply for the YOUNG Card (Youth Edition) as the main card, it will be converted to a CMB UnionPay standard credit card. .

2. The customer’s credit is not good, and there are bad records in the personal credit report (the bank mainly examines the credit report within the past two years).

3. The customer has little income and the financial level does not meet the bank's requirements (high-level cards such as platinum cards have very high financial income level requirements for applicants, and it may be difficult for ordinary office workers to apply).

4. I already have many credit cards under my name, and the total credit limit is quite high.

5. The information submitted during the application is incomplete or contains errors, is inconsistent with the actual situation, and is exaggerated.

6. The customer applied for a credit card through a card application intermediary, but the card application intermediary was not formal.

7. There are many unpaid debts in my name, and my personal debt ratio is quite high.

8. Recently, I have frequently applied for credit cards or loans, which has caused my credit score to go up.

What to do if your credit card is not approved?

Analyze the possible reasons for your rejection, and improve if you can. If you are not 18, just wait until you grow up. Don’t apply for credit cards frequently, otherwise you will not believe it. It’s very expensive to apply.

1. If your card application is rejected due to assets or workplace, it is recommended that cardholders can apply for a credit card after their job income is stable.

2. But if it is due to credit problems, cardholders should pay attention. From now on, they must maintain good card usage habits and repay on time. Generally, when banks review the applicant's credit report, We will only look at the previous 3 months, so don’t rush to cancel the card, continue to use the credit card, and use new card usage records to cover the previous bad records. It will be much easier to apply for a credit card again.

The above are the common reasons why the credit card application fails to pass the review, and how to deal with the failure of the review. I hope it can help everyone successfully apply for a credit card.