There are many reasons for insufficient comprehensive credit card scores, such as poor credit, high debt ratio, failure to meet the application age requirements, unstable employment, insufficient repayment ability, etc., which may all lead to insufficient comprehensive scores. Therefore, most of the time, an insufficient comprehensive credit score is the result of a combination of factors, and is not simply a matter of credit problems. After the user's comprehensive credit score is insufficient, it is best to apply for a credit card after a period of time, which will help improve the comprehensive credit score.

What is the overall score of a credit card?

The comprehensive score of a credit card is an evaluation of your comprehensive credit by the bank using a fixed scoring system based on the information provided by you. There are many factors that affect the comprehensive score, including marital status, technical title, job, Financial ability, personal housing, credit history, academic qualifications, etc., the sum of all scores is the so-called "comprehensive score". If the nature of the work unit is a public institution/government agency, it is 3 points, then some occupations with unstable income may only have 1 point; those who are married may have 2 points, and those who are unmarried may have 1 point.

So, when you submit the information to the bank when applying for a credit card, the bank will give an evaluation of your information, and this evaluation is the "comprehensive score." The reason why many cardholders are rejected when applying for a credit card is because of insufficient “comprehensive score”.

Reasons for insufficient comprehensive scores:

1. Self-employment or unstable sources of income are often the most likely reasons for rejection. For those who are self-employed, due to unstable sources of income, the bank is not sure whether they have enough ability to repay, so their card application is likely to be rejected;

2. Directly apply for high-level credit cards

Many applicants like to apply for high-level credit cards such as Platinum Card because of their high limits and good value-added services. However, the Platinum Card has higher requirements for applicants than both the Regular Card and the Gold Card. It requires applicants to have a certain financial foundation. Therefore, some applicants who apply for the Platinum Card right away are likely to be rejected by the bank. Don’t be greedy. We start with the general card;

3. There is no card issuance point in the applicant’s place of residence or work