China Merchants Bank's credit card is well-known in the industry. Whether it is exclusive privilege or wool, it has a good reputation among card friends. People who play cards with credit cards basically have one or even several cards, but for some white people, it is not so easy to apply for a credit card from China Merchants Bank. Today I will tell you why China Merchants Credit Card can't be applied.
One of the following five reasons may lead to the cardholder's application for CMB credit card being rejected:
1, the card issuance is unqualified.
Many users didn't read the application conditions carefully when applying for credit cards. Many credit cards have application conditions, such as student card, female card, membership card or age limit, which will directly lead to the rejection of card application.
2. Insufficient application materials.
Applicants must pay attention to the authenticity and integrity of the application materials, which is an important basis for banks to approve cards. This information is especially important when applying for a credit card for the first time. If the necessary information is not sufficient when applying for China Merchants Bank credit card, the result can be imagined.
3. Have a bad credit report.
After receiving the credit card application, China Merchants Bank will check the applicant's credit record through the credit information platform. If you are blacklisted by the bank because of your bad credit record, there is little chance that China Merchants Bank will give you a card.
4. The bank score is not up to standard.
China Merchants Bank uses a scoring system to automatically score users. Only when the score line stipulated by the bank is reached can the card be approved. If it is not reached, the card will be rejected.
5. Meet a black intermediary
If a card friend wants to apply for a CMB credit card, but does not go through a regular outlet, but meets a black intermediary who swindles information and money on the roadside, the CMB credit card application will become out of reach.
After reading the summary, I believe everyone has a new understanding of why China Merchants Credit Card can't be applied. In short, there must be a reason why China Merchants Bank failed to run a credit card. Card friends need to look at themselves more, see where they have problems, and then solve them.
China Merchants Bank credit card applications are always rejected? Maybe that's the problem.
In everyone's eyes, China Merchants Bank's credit card is still relatively easy to handle. Although the credit card quota is low, the application threshold is low and it is easy to withdraw the amount. However, in the actual example of card application, many card friends have failed, and China Merchants Bank's credit card application has been rejected. Analyze and sort out the reasons.
20 18 here are the tips for China merchants bank to apply for a credit card.
There are many types of credit cards in China Merchants Bank, and there are also different grades of products. It may be easier to handle ordinary cards and gold cards, but it is still difficult to get started with high-end white and above credit cards. I suggest that when choosing credit card products, you should decide according to your actual qualifications.
If your CMB credit card application is always rejected, there may be the following problems:
1, the information is too false: the income does not match the age of the position. If you are 22 years old, being an editor and earning more than 5000 yuan a month, you won't trust anyone.
2. Insufficient working years: If you apply for a credit card and your current company has been working for less than three months, then the bank will judge that your work and income are unstable, because most companies are still on probation within three months. When applying for a credit card, it is best to fill in more than half a year's working experience. The longer the time, the more stable it is.
It is difficult to apply for a credit card without employees: the so-called "three employees" means no job, no house (car) and no deposit. For this kind of people, China Merchants Bank will get a low comprehensive score when reviewing credit card applications, and will naturally refuse to apply for a card.
4. Apply frequently in a short time: Every time you apply for a credit card, the record will appear in your credit information system. If you apply for a credit card many times in a short period of time, China Merchants Bank will suspect that you have bad intentions and refuse to apply for a card.
5. Being listed in the black and gray list by China Merchants Bank, your application for credit card will only be rejected.
Reasons for the failure of China Merchants Bank's credit card application/card application.
First, the common reasons for the failure of credit card application of China Merchants Bank
1. Bad credit record: When the bank reviews the credit card application, it will go to the central bank to check your credit record. If you have bad credit, it means that you are a dishonest person, and the risk of issuing a card to you is high. This kind of bad credit includes credit card overdue repayment, loans overdue repayment and so on.
2. Unqualified: Some credit cards will attach conditions to the applicant. When the applicant is unqualified, the application will fail.
3. Missed phone calls: Some banks will call the applicants. If they miss the phone calls, it is very likely that the credit card application will fail.
4. Incomplete application materials: Incomplete or untrue application materials provided by the applicant are also the reasons for the failure of the application card, so the applicant should ensure the integrity and authenticity of the materials.
2. How did China Merchants Bank successfully apply for a credit card?
1. Provide detailed application materials.
When applying for China Merchants Bank credit card, it is best to provide sufficient materials to prove it. For example, there are only simple materials such as a copy of the ID card, so the probability of passing is relatively small. However, if you have a house and a car, and can submit the purchase contract, vehicle driving license and other materials, the probability of approval will be much greater.
2. Choose a card handling channel that is easy to get off the card.
Generally speaking, it is easier to pass the audit and the process is faster to handle credit cards through online channels than offline counters. The disadvantage is that the initial amount may be relatively low.
3. Ingeniously answer credit calls.
Generally, after passing the preliminary examination, the bank will make a credit call to verify the applicant's situation, so be sure not to miss the call, and pay attention to some answering skills when answering the phone to ensure that your answer is consistent with the application materials provided, and there is no big discrepancy, which is easy to win the trust of the bank.
Summary: The unsuccessful credit card application of China Merchants Bank is actually the result of comprehensive score. In addition to the above reasons, it depends on the applicant's comprehensive situation, including education level, marital status, housing situation, income level and so on.
Applicants are advised to provide true and detailed application materials when applying for a credit card. In addition to the basic materials, they can also provide supplementary materials such as property certificates and income certificates to improve the success rate of card processing.
The introduction of why China Merchants Bank's credit card was rejected and China Merchants Bank's credit card was rejected twice ends here. I wonder if you have found the information you need?