Why the Shanghai Pudong Development Bank credit card cannot be approved?

There are many reasons why the Pudong Development Bank credit card application cannot be approved, such as poor personal credit, ineligibility to apply for a card, incorrect information provided, comprehensive Low credit score etc.

1. Problems with personal credit report

A good personal credit report is the stepping stone for applying for a credit card. It is normal for a Shanghai Pudong Development Bank credit card application to be rejected if the credit record is poor.

Card holders must check their credit report before applying for a card. If they find a bad credit record, they should apply again after 12 or 24 months because banks generally will check the information when reviewing the information. Your credit history for the last 24 months.

2. Not qualified to apply for a card

The basic requirements for applying for a Shanghai Pudong Development Bank credit card are as follows:

1. Aged between 18 and 60 years old;

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2. Have a stable career and income;

3. Good personal credit;

Some high-end cards of Shanghai Pudong Development Bank have higher requirements. If the financial resources are not proven enough, it is reasonable for the application to be rejected.

3. The application information is incomplete or incorrect

The most basic condition for applying for a Shanghai Pudong Development Bank credit card is to submit comprehensive and accurate materials. If the applicant provides detailed and true application information and it can be effectively verified, the possibility of credit card approval will be greatly increased.

In addition, 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.

4. The comprehensive credit score is too low

When applying for a credit card, the Shanghai Pudong Development Bank Credit Card Center will conduct a comprehensive score on the individual based on the cardholder’s application form, qualification documents, and credit history. A credit score that is too low will directly result in your card application being rejected.

Why is Shanghai Pudong Development Bank’s credit card restricted?

With the popularity of credit cards, many people have applied for credit cards, and one of them chose Shanghai Pudong Development Bank to apply for a credit card, but there are many rules for using credit cards. Yes, if the credit card is used without complying with the bank's regulations, the bank may restrict the cardholder's consumption. So why is Pudong Development Bank’s credit card restricted?

1. Overdue repayment. If you have too many late payments and have been in arrears for too long, the bank may have reasons to restrict your credit card. If you still haven't made any repayment despite the bank's phone call, it constitutes a malicious overdraft, and the bank has the right to request you.

2. No card swiping record. In other words, if you have applied for a credit card, but you rarely use the card to make purchases, the bank may automatically restrict your card.

If your credit card is restricted, the most effective way is to have friendly communication with the bank, otherwise the bank will not automatically unfreeze it. If it's a debt issue, negotiate to repay it in installments; if it's a card risk issue, try to explain to the bank the rationale for using the card, and the bank will generally accept it.

Premonitory signs of rejection of Pudong Development Credit Card

Premonitory signs of rejection of Pudong Development Credit Card are that the application time is too long, so call to inquire about the relevant situation, etc.

The approval of Pudong Development Credit Card takes between 15-20 working days. If the card is not issued after this time, it is likely to be rejected. After applying, the bank did not call to inquire about some situation. Unless you are a high-quality customer of Shanghai Pudong Development Bank, the bank will call you. If the bank checked your personal credit but did not contact you afterwards, it may be that the bank is dissatisfied with your credit and rejected your application. The specific analysis of the precursors of rejection when applying for Pudong Development Credit Card is as follows::

1) One of the precursors of rejection when applying for Pudong Development Credit Card is that the application time is too long. The review time for applying for a Pudong Development Credit Card has a certain period, usually 15-20 working days. If the application time exceeds the review cycle, it may be a precursor to rejection.

2) When applying for a Shanghai Pudong Development Bank credit card, the bank will usually call to inquire about some information. If the bank does not call, this is also a precursor to the rejection of the credit card application.

3) Pudong Development Bank will call the applicant to ask relevant questions to see if the applicant’s information is complete. If the applicant is not contacted after a period of time after the call, it may be one of the precursors to rejection.

4) The bank has checked the applicant's personal credit report, but has not contacted the applicant for a long time. This may be because the bank is not satisfied with the applicant's personal credit report and refuses to approve the applicant's credit card application.

1. So what is the reason why the application for a Shanghai Pudong Development Bank credit card was rejected?

1) When the applicant fills in the application information, the content he fills in does not match his personal situation. It is recommended that you be careful Don't take chances, the bank will strictly review it.

2) There is a problem with the applicant’s personal credit. Personal credit is very important to the bank. If there is a problem with the applicant’s personal credit, the bank will generally not approve the applicant’s application for a credit card because Banks will also bear certain risks.

3) The applicant does not meet the application conditions for a Shanghai Pudong Development Bank credit card. For example, the applicant’s age, income, and job stability do not meet the requirements. These will have an impact on the application for a Shanghai Pudong Development Bank credit card.

4) The applicant applies for credit cards too frequently. Once the bank discovers that the applicant has applied for credit cards frequently, it will feel that the applicant may have certain credit risks, and the bank will reject the request to apply for a credit card.

I applied for a credit card at Pudong Development Bank, but why was my deactivation rejected?

Your identity information may be seriously inconsistent with the original application. Under normal circumstances, the bank will not reject the application for an individual. Activate an approved credit card.

There are usually three ways to activate a credit card:

1. Activating through the counter of the bank where the credit card is located requires personal presence and the original ID card and credit card.

2. Call the credit card service phone number on the card to activate.

3. Log in to credit card online banking and activate online.

Extended information:

1. Whether the bank approves a credit card will mainly take into account the applicant's credit status, repayment ability, personal assets, etc., and will also be based on the Consider the number of cards issued by the bank in the current year, remaining credit limit, credit balance payable, credit card non-performing rate, etc.

During the information verification process, there have also been cases where the contact person did not know or was unwilling to be a contact person, the applicant's relatives with registered residence in another place could not be contacted, and the approved card type and limit did not meet the applicant's requirements, and then the applicant was rejected. Refuse to accept, the applicant's place of work and residence is not in the bank's branch city, the applicant does not meet the requirements for collective card application, etc. These may be the reasons why the bank refuses to approve the card.

In the process of bank credit card approval, after checking basic factors such as whether there are overdue records in the past, personal work and income level, there is another very important step, which is to check the information with the applicant himself over the phone. Many problems will also arise in this link.

2. Some regulators have once again proposed that banks should further strictly check the purpose and use of loans, especially for housing-related transactions that are strictly controlled this year, and be wary of borrowers who may use multiple credit cards. Cash out to pay down payment on mortgage.

In mid-October 2017, a joint-stock bank issued an announcement stating that it would conduct risk management and control on the bank’s credit card real estate-related transactions. When conducting transactions with domestic real estate merchants, the RMB transaction amount in a single month shall not exceed 3. Ten thousand yuan, the total annual amount cannot exceed 100,000 yuan, and real estate transactions are not allowed overseas.

3. Basic requirements for applying for a credit card:

1. Be between 18 and 65 years old;

2. Have a stable career and income;

3. Have good credit and the ability to repay interest on time;

4. Natural persons with full capacity for civil conduct (robots, vegetative persons, minors, persons with a certain degree of Not for mentally ill people).

What should I do if my Shanghai Pudong Development Bank credit card application is rejected?

For users who do not meet the Shanghai Pudong Development Bank credit card application conditions and some requirements, even after submitting the credit card application, it is easy to be rejected.

So what should you do after your Shanghai Pudong Development Bank credit card application is rejected?

1. If your Shanghai Pudong Development Bank credit card application is rejected, the first thing to do is to understand the reason for the rejection. You can call the official customer service number for consultation.

2. If the application is rejected due to poor credit status, you can wait until the credit report is restored before reapplying. If the application is rejected due to incomplete information, you only need to complete the application information again. Just apply again.

3. Of course, there may be other reasons, such as insufficient matching ratio, etc. Then you only need to wait for a while and reapply.

The above are some solutions to the rejection of Shanghai Pudong Development Bank credit card application. I hope it can help netizens.

What happened when I tried to activate my card and was rejected by Pudong Development Bank?

The most likely reason for being rejected when trying to activate my card was due to interview issues. If you hesitate in answering, If it is obvious that you are lying, the staff at the counter will choose to refuse the visa, that is, your credit card application will not be approved. For specific reasons why your application to Pudong Development Bank was rejected, you can read the introduction provided by this website.

1. What happened when the Pufa card was rejected for activation?

If the credit card activation is rejected, it may be a problem during the interview process. During the interview, bank staff will ask some questions, which may be related to the credit card application information, or some unrelated questions.

It is recommended that everyone should be calm and unambiguous during the response process, let alone deceive or deceive.

If you don't know who your grandparents are, you can be honest and you can explain to the bank staff why you don't know. In general, bank staff are quite reasonable.

2. Why is the application for Shanghai Pudong Development Bank always rejected?

There are many reasons for rejection of Shanghai Pudong Development Bank credit card. It may be that you are not qualified or have a bad credit record. Bad records are very important in the review process. Check the conditions. If you apply for a card too frequently, Shanghai Pudong Development Bank will consider it to be a high risk and it is likely to be rejected. After being rejected, you can re-select a suitable credit card according to your own situation. It is best to bring all supporting documents. Reapply at a bank branch.

3. Why did Pudong Development Bank send you a text message asking you to apply for a card after your application was rejected?

One is that you applied for a credit card on the bank’s official website, but the qualifications were insufficient or there were bad charges. Your credit card records were rejected, but then you received a marketing text message inviting you to apply for a card. Then it may be that the bank's front-end customer screening work is not done well, and the so-called precision marketing work is still lacking.

Second, if after you are rejected, the bank does not update the list of marketing target customers in time, and still uses the original inaccurate list, so it will cause a ridiculous result. You have been rejected over there, and you have been rejected here. Still sending out invitations.

Thirdly, it is possible that the marketing text messages you receive contain unsafe external links, which may be traps or other information, so this is not trustworthy. In particular, you should pay attention to the difference between the numbers of transaction text messages you usually receive and the numbers of this kind of marketing text messages. It mainly refers to the number structure. If it is not trustworthy, try not to click to avoid being deceived.

This is the end of the introduction to why Pudong Development Credit Card was declined.