Why did someone apply for a credit card, and the amount was still high? Why did someone refuse it? Some people know why their credit card applications are rejected, but more people blindly guess, which leads to repeated applications being rejected, and finally they have no hope of applying for credit cards. Let's take stock of the reasons why banks refuse credit card applications today.

The credit card application was rejected

The applicant's personal false information

The ID card, real estate license and driving license provided by the applicant are false, which directly fails to meet the requirements of the bank for handling credit cards;

The information of the work unit filled in by the applicant is untrue, and this company does not exist at all, or it is found that the applicant is not in this company at all;

if you provide false information to apply for a credit card, once it is found out by the bank, it will be included in the blacklist of permanent high-risk false customers, and you can't apply for the bank's credit card in the future.

There is something wrong with the applicant's credit record

There have been repayment records of credit cards, loans, etc. that are seriously overdue, for example, there have been more than three consecutive unpaid records;

in the past five years, there have been records of public telecommunications arrears, civil judgment records, enforcement records, administrative punishment records and tax arrears records;

3. Inquire about other high-risk issues of the applicant through various channels;

4. There have been frequent credit card or loan applications recently.

Banks should not only look at the applicant's credit report, but also inquire about problems other than the credit report through other channels. As long as it is judged that there is something wrong with the applicant's comprehensive credit report, the credit card application will be rejected.

Work unit problem

The unit provided by the applicant does not exist, or the bank cannot verify the work unit;

the applicant has resigned, or the company has not found this person;

3. The applicant has entered the current work unit for a short time, or is an informal employee;

4. There are problems in the records of the applicant's unit in the industrial and commercial network, such as abnormal operation, cancellation, revocation, unaudited, etc.

5. The applicant's company has negative information problems, such as LeTV and Sanlu;

6. The applicant's unit or legal person has a debt dispute, or fails to pay taxes or evade taxes, or defaults on bank loans, etc.

7. The applicant's work unit has been established for less than one year, or the age is too short to meet the requirements of bank credit card approval;

8. The applicant's industry or unit is a high-risk industry, and the bank refuses to issue credit cards or loans.

Credit card applications are rejected due to work problems. Sometimes it is not necessarily my fault, but the work unit or industry will also affect the bank's approval.

The applicant's income is low

The applicant has not paid wages on his behalf, and there is not enough bank flow, so the bank cannot judge that he has a stable income;

the applicant does not have five insurances and one gold, and there are no other materials to prove his financial situation.

At present, there are basically five insurances and one gold paid for six months, so it is still easy to apply for a credit card. As for those who work in self-employed and private companies, and have no assets to provide, and there is no bank running water, it is relatively difficult to apply for a credit card.

Applicant's debt problem

The total amount of the applicant's existing credit card is too high, which has reached the upper limit of personal credit line;

The applicant's credit card or loan liabilities are on the high side, and the bank judges that the risk is high;

for example, the applicant's current conditions are average, but he already has multiple credit cards and the total amount is too high. The existing credit card is almost maxed out, or a number of loans have not been settled, and the bank will refuse the credit card application if it judges that the repayment ability is insufficient.

The problem of bank's telephone credit inquiry

The auditor of the credit card center can't contact the applicant when calling. Generally, the bank will call 2-4 times, and if no one answers, it will directly refuse;

There is something wrong with the landline number or mobile phone number provided by the applicant, which is not a valid contact information;

the applicant is perfunctory or uncooperative with the auditor's questions, or the questions answered are quite different from those on the credit card application form;

The auditor learns from other contacts that the applicant has negative information, such as gambling, borrowing usury, etc.

when applying for a credit card, all the previous procedures are fine, so it is very important to finally answer the phone. Generally, after the phone is approved, the credit card can be approved.

Other reasons for rejection

1. Applicants who apply for the same credit card many times will also be rejected. Some banks can only apply for the same card once in their lifetime, and even if they apply again after cancellation, they will be directly rejected;

2. The comprehensive score is insufficient, which is a common reason for banks to refuse!

If your application for a credit card is always rejected, see which of the above reasons you are. After reading these, you should have a good idea!

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