If the applicant is not in a hurry, it will take at least 3 months, preferably about 6 months to apply. Don't apply repeatedly in a short time, and try not to change banks immediately, because when applying for a credit card from a bank, the bank will leave traces in the personal credit information system. When a bank sees many applications in a short period of time, it will think that the applicants are in urgent need of money, with high credit risk and easy rejection.

Before re-issuing the card, check the personal credit report at the Personal Credit Information Center of the People's Bank of China to find out the personal credit situation. If there are overdue or bad records, deal with them as soon as possible.

Some bank credit card activation needs to go to the business outlets for face-to-face signing. If the applicant's application bank has no local outlets or fewer outlets, it is more likely to be rejected.

Because, in the process of auditing, banks need to consider whether the applicant has a local branch of the bank, which involves the maintenance cost in the subsequent process of using the card. Of course, it will be easier to apply for a card if there are many local branches of the bank.

Extended data:

According to industry insiders, if a bank sees that there are many credit cards in a user's "credit file", it will indeed have the association of "keeping cards with cards" and "tight funds". When applying for a mortgage, it is ok for banks not to lend, but the approval criteria of each bank are different.

When an individual applies for a credit card, the applicant must agree to irrevocably authorize the issuing bank to collect personal information and credit information, so that the issuing bank can judge whether to issue a card according to the applicant's personal credit and other information.

In the personal credit report, the number of credit cards held by the inquirer, the bank where the account was opened, the amount, the average amount used in the last six months and the repayment for 24 consecutive months will be listed in detail. In addition, the report will show who checked the applicant's credit report and how many times. And every time you apply for a credit card, the bank will check your personal credit at least once.

Phoenix net-the most complete! Analysis of the reasons for the rejection of credit card application and its countermeasures

Phoenix. Com- even seven credit cards were refused to apply for a mortgage.