For many cardholders, they think that as long as their credit report is not overdue, it should be easy to apply for a credit card. However, many cardholders report that their credit card applications are always rejected. In fact, credit card applications are rejected. There are many reasons, and credit reporting is only one of them. There are also some other special reasons. If you don’t do the right things, your credit card application will be rejected. So today Xiao Qin will share with you the reasons why your credit card application is rejected and how to get rid of it. The solving skills allow us to easily get rid of the card. If you are interested, please continue reading!

1. Insufficient comprehensive score

I believe this is the reason why many cardholders are rejected. What is insufficient comprehensive score refers to your internal big data in the bank, your personal Credit report is external big data. Your credit report is not overdue, but you need to prepare the internal data of the bank you are applying for to build the bank's attention and improve your internal score in the bank. Otherwise, you will do nothing to apply. will be rejected by the bank, so how to improve the attention of the bank and create a comprehensive score? Interested cardholders can consult Xiaoqin WeChat to learn.

2. Card type selection

Credit cards also have levels. The higher the level of the card, the higher the requirements for applicants. If you don't apply based on your actual qualifications, you're likely to be rejected. On the contrary, if you can choose the card type based on your personal qualifications, your success rate will be much higher.

3. Too many multiple credit extensions

Multiple credit extensions refer to the behavior of two or more financial institutions granting credit to the same customer, which includes credit cards. , credit, and credit lines from various financial institutions. When a person has too many credit institutions, it is easy for the credit limit to be too high, causing the credit card application to be rejected due to multiple credit extensions. Currently, construction, investment, agriculture, people's livelihood, and Guangfa have multiple credit extensions. It's very strict. Is there any way to break it?

1. Optimize credit reporting

Credit reporting flowers or inquiry records exceeding the limit are also a type of multi-credit credit. Credit reporting flowers and cardholders whose inquiry records have exceeded the limit should stop proceeding first. To apply, use the technique of "Create a credit reporting foreign currency account with 3 N's and a foreign currency single currency card". Within 3 months, you can directly isolate the records of the original inquiry that exceeded the limit and directly achieve the effect of reshaping your credit reporting. If you don't understand, you can Consult Xiao Qin’s WeChat learning.

2. Cancel unused credit platforms

You once had a financial platform with authorized quotas. If you no longer use it, it is recommended to cancel it directly. Generally, financial platforms with authorized quotas , are all subject to credit review at the meeting, and will also affect the credit extension of long-term investors.

3. Create high-quality credit cards

Many people think that the more credit cards, the better. In fact, it is usually enough to create 3-6 cards. It is not about having too many cards, but about being precise. Many, they are just a bunch of food cards, which will not help you to increase your credit limit, and will also affect the bank to give you a higher credit limit, so according to your current bank situation, you can cancel credit cards from banks with little room for improvement. After streamlining, by using special "intensive card" techniques to increase the credit limit, you can easily achieve a total credit limit of 500,000!