every bank has different scoring standards.
It is possible for an applicant to encounter a lack of comprehensive score in one bank, apply for a credit card in another bank with the same information, and get a gold card.
in addition, some bank cards are approved by the head office and some by local branches, which makes the comprehensive scoring rules of credit cards unpredictable.
Because the credit criteria and scoring standards are confidential within the bank, the risk-related factors cannot be disclosed to the public.
Personal credit rating refers to the credit rating given to you by the bank when you apply for a loan from the bank. The standard of this rating is different from bank to bank. The People's Bank of China checks your personal credit report. If your credit is good, it is not overdue.
You should also pay attention to your personal credit at ordinary times, and don't blindly apply for a loan. Otherwise, once the big data is spent, if you want to apply for a loan again, your comprehensive score will be insufficient and you will be refused a loan. You can get a big data report in Changbai Data, and clearly know your situation in online lending big data. The database cooperates with more than 2, online lending platforms, and the queried data is relatively accurate and complete.
Extended information:
How to restore the comprehensive credit score?
if you want to restore the comprehensive credit score, you must solve all the problems that lead to the insufficient comprehensive credit score.
for example, if you find that there is overdue credit repayment, you must pay off the overdue debt quickly, and then you need to spend more time patiently to accumulate good records. When the new good records gradually cover the old bad records, your personal credit will gradually improve and your comprehensive credit score will rise.
also, if it is found that the credit information (big data) has become "spent" due to too many loan records, and individuals have multiple loans, it is suggested that they should not apply for credit products for the time being, and keep it for at least three months. After three months, the situation of "spent" credit information (big data) will be improved, which will also help restore the comprehensive credit score.
Of course, if there are many outstanding credit products in your name, you can also pay them off (or pay as much as possible) in this three-month period to reduce the personal debt ratio and help improve the comprehensive credit score.