There are many reasons for the failure of credit card application, including incomplete application form, insufficient materials, weak willingness found in telephone call-back, and serious bad records. These are the reasons why bank credit cards were rejected by CITIC. In terms of credit line, too high and too low credit ratio and too high debt ratio are the factors that lead banks to approve credit line.
Especially for the influence of bad records on credit card approval, the standards of different banks are different. Some banks can approve as long as there is no immediate debt or no overdue; Some banks can't have bad records in the past three years. Therefore, it is not only necessary to fill in sufficient materials, but also the most important thing is not to have bad records, which will have a greater impact.
Extended data:
The reasons for the failure of credit card application can be found in the bank.
There are many reasons for the failure of common credit cards, especially the credit information is very important. If the applicant's credit information is overdue, the chances of applying for a credit card are very high. If the applicant is not only overdue, but also overdue, it is impossible to apply for a credit card and let the bank pass.
Moreover, honesty is also very important. If the applicant has a good credit record, but falsifies information because he wants a high credit card limit, the bank will find that 100% of the applicants will be rejected.
People's Daily Online-The boss with an annual income of one million was refused to apply for a credit card. The bank said there were three reasons.