Reasons for unsuccessful credit card application with CITIC Credit Card

There are many reasons for rejection of credit card application, mainly including the following situations:

1. The cardholder is not suitable Card issuance conditions

Some applicants did not read the card application conditions clearly when applying for the card. In fact, many credit cards have application conditions, such as student cards, female cards, membership cards, or age restrictions. If you do not meet the bank's conditions, your card application will be directly rejected.

2. The applicant’s score is unsatisfactory

Now when applying for a card, the bank will use an automatic scoring system to score the user. Only those who reach the score line set by the bank can approve the card. Those who do not reach the score will be rejected.

The notice that many applicants receive “Card is refused due to insufficient comprehensive score” refers to this score. These scores come from income, employment, assets, usage of already held cards, and more.

3. Submit too few application materials

Card applicants must not only pay attention to the authenticity of the application materials, but also the integrity of the information. This is the key to whether the bank can approve the card. in accordance with. This information is especially important when applying for a credit card for the first time. For example, if you have a house and a car and can submit a house purchase contract, vehicle driving license, etc., the probability of approval is greater; if you only have simple materials such as a copy of your ID card, the probability of approval is low.

4. The cardholder has a bad credit record

After receiving the credit card application, the bank will check the applicant's credit record through the credit reporting platform. If you have a good credit history, you are more likely to be approved for a credit card.

5. Apply through informal channels

When applying, try to choose formal institutions, such as the bank’s official website or Rong360. There are many intermediaries that collect money to apply for cards and some roadside card application points. In order to defraud money and user information, cards cannot be approved.

Is there any hope that the CITIC credit card will not be rejected after 3 days of review? Pay attention to these matters

CITIC Bank's credit card is relatively easy to get approved, and many people have applied for it. However, everyone's qualifications are different, and the credit card review time will be different. Some people have applied for a CITIC credit card for 3 days and have not been rejected. They think it is promising. In fact, credit cards do not get easier the longer they are reviewed. Let’s take a look.

Is there any hope that the CITIC credit card will not be rejected after 3 days of review?

Under normal circumstances, the approval time limit for CITIC Credit Card is about 7 working days after the application information is entered into the system. If it has not been rejected after 3 days of review, it may be because it is still under review and the bank needs to further confirm that it has been approved. Due to the qualifications of the cardholder, the card holder will usually call for a follow-up visit, so you must be ready to answer the phone at any time.

Because you are calling your workplace, it is best to say hello to the employee who answers the phone at the front desk in advance and notify yourself as soon as there is a call. During this period, you should review the information you filled in when applying for a credit card in your mind. , answer bank questions without making mistakes when answering the phone, which is the key to whether the card can be approved.

If you don’t receive a call after 7 days, or if you check the progress and still show the review, the chance of rejection is relatively high, or it may be that the bank has not updated the progress in time. Anxious friends can use the mobile phone number reserved when applying for the card to call the CITIC Credit Card service hotline and contact customer service for feedback and enquiries.

If the customer service reply is still under review, just wait patiently. The bank will notify you via text message whether it is passed or not after the review is completed. If you are rejected, don’t be too discouraged. You can ask customer service the reason for the rejection to see what aspects are lacking and improve them so that you can be more confident in your next application.

The last thing to remind is that there is a limit on the number of CITIC credit card applications. The same ID card number cannot be applied more than 10 times within 2 months. The same card type can only be applied online within 3 days. There is no limit to the number of times you can apply for a card at the counter or other channels at one time. After a CITIC credit card is rejected, it is best to wait until the information is updated before applying again.

What to do if your CITIC UnionPay standard ic credit card application is unsuccessful/rejected

The application threshold for CITIC UnionPay standard ic credit card is relatively low. You can apply as long as you meet the basic card application conditions and submit relevant information. . However, there are also quite a few cardholders who failed to apply for this credit card. So, how can you successfully apply for this card after being rejected? Let’s take a look below.

How to apply for CITIC UnionPay standard ic credit card?

The most important condition for applying for a credit card is to have a stable job and income. The necessary application documents are a copy of your identity certificate and a work certification document. If you can provide other financial documents, it will be more helpful to you personally. Understand the situation and determine the credit limit. Detailed application information is as follows:

1. Proof of identity: usually an ID card (if you are using a new version of the ID card, a copy of the front and back sides is required), military personnel need to provide a copy of the military ID card;

2. Work certificate: It can be the original work certificate issued by the unit where you work (please indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or the original has been verified by the promoter Copy of the work ID card with the mark;

3. Proof of financial resources: it can be salary records issued by banks, or income tax withholding certificates, or documents proving the market value of houses, cars, deposits and investments (such as real estate certificates /Car driving license/Copy of bank deposit certificate) and other materials that can prove your financial level.

It may be better if you have sufficient financial resources, and the amount will be higher. It depends on your specific conditions.

What should I do if my application for CITIC UnionPay Standard IC Credit Card is rejected?

The failure to apply for a card is not caused by a single reason. When banks review credit cards, they will make a comprehensive assessment with reference to the customer's overall credit report, financial resources, organization, and personal information.

If you have new proof of financial resources or your personal information changes, you can submit your application again at any time.

CITIC UnionPay Standard IC Credit Card

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Why was my application for CITIC Credit Card rejected twice? ?

The reason why two applications for CITIC Credit Card were rejected: Application for a credit card requires certain prerequisites. The bank will determine whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation.

(1) Applicants who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank.

(2) The bank will determine whether to issue a credit card to the applicant based on the application information and various aspects of the applicant's information and financial situation. Factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

(3) The specific factors and processes of the card issuing bank’s review are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Extended information

1. Those who apply for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

2. The application method is generally by filling in a credit card application form. The content of the application form generally includes the name of the applicant, basic information, economic status or source of income, guarantor and his basic information, etc. And submit certain copies of documents and certificates to the card issuing bank. After the customer fills in the application form truthfully according to the content, the customer must also submit the relevant credit certificate while submitting the completed application form.

3. The application form is accompanied by a credit card use contract. The applicant authorizes the card-issuing bank or relevant departments to investigate its relevant information, and submits a statement of the authenticity of the information, the card-issuing bank's privacy protection policy, etc., and must Has the applicant's autograph.

4. After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the contents of the credit card application form are true. For the applicant, the creditworthiness of the applicant must be evaluated. For individuals, the relevant information of the guarantor must also be reviewed.

Reference: Baidu Encyclopedia-Credit Card

This is the introduction to the failure to apply for CITIC Credit Card.