What should I do if my credit card fails?

Applying for a credit card is now a very common thing, but applying for a credit card is not that simple. There are many cardholders who have no problem with their credit, but their applications are always rejected because of their overall score. If the application is not approved, then what should we do to solve the problem of being rejected for credit card application? Today Xiao Qin will share with you tips on how to quickly apply for a credit card after being rejected!

1. Improve the internal score of the bank

If you have never applied for a credit card or done any credit loan-related products, this situation is called a white account, pure white If you want to apply for a credit card, you should first choose a bank with a lower credit card threshold, and then choose a card type that is easy to apply for. Finally, prepare 7-45 days in advance for the bank you want to apply for, improve your overall score at the bank to make up for the shortcomings in your credit report, and then apply again. The success rate will be high.

2. Reduce the debt ratio

If your overall debt is too high, including excessive credit card bill consumption and unpaid loans, the bank will question your ability to repay. This greatly increases the probability of rejection. If you have high debt, please give priority to reducing your debt before applying for a credit card. Debt optimization can be done through the method of paying back a large card with a small card and the debt hedging method. Both of these can solve the problem of excessive credit debt in the short term, but in the end you still have to go through Increase your income and make money to reduce your debt.

3. Create effective flow

Some people are short of money and frequently apply for credit cards without considering their own credit. Banks attach great importance to the number of inquiries and recommend no more than 3 times a month. No more than 5 times a month. After your application to the same bank is rejected, if you want to continue to apply for that bank, then the best way to use the three months of inability to apply to get the attention of the bank is to create an effective debit card with interest settlement through what the teacher taught in class. Turn over money, improve your overall score in the bank, change the bank's view of you, and apply again after three months, the success rate will be greatly improved.

4. Integrity of application materials

Applicants must provide complete and valid application materials. Proof of income, employment certificate and other materials must be stamped with the official seal. Do not falsify information. Follow the live class By following the "11 Core Applications for Credit Cards" mentioned in the article to fill in the application form properly, you can get the highest score of the application materials within the most reasonable range and meet the card application requirements.

5. Optimize bad credit records

Nowadays, any platform and bank attaches great importance to the applicant’s personal credit, so before we apply for a credit card, we first check our own credit report Are there any bad disciplines or late deadlines? Too many query records? These are all risk points for application rejection, so you can improve your application success rate by combining your actual situation and optimizing your credit report before applying;

How to teach you if your application for a credit card (debit card) was rejected instantly Solve the problem of insufficient "comprehensive score"

There are always various reasons for rejection of card application, such as poor credit score, insufficient comprehensive score, etc. Some friends are always complaining about problems such as instant rejection by banks and too difficult to apply for a card. I, an experienced driver, will share with you my experience in applying for a card in a few days:

I didn’t choose the right way to apply for a card

Based on my years of experience, applying for a credit card (debit card) through the bank’s official channels has the highest success rate. These channels include: bank third-party cooperation channels (Zhimubao, WeChat, R360, etc.), banks Official website, bank app bank counter.

Everyone knows that online applications have become mainstream now. Banks not only vigorously promote credit cards (debit cards) on their own official websites and apps, but also cooperate with third parties (Alipay, QQ, etc.) We work closely to issue credit cards (debit cards), and more than 60 users have successfully applied for cards online.

Offline card application is a supplementary way to online application, and bank counter is the most important way. It is worth noting that in the offline application channel, there are 17 users who are promoted by credit card (debit card) salesmen to apply for cards, and there are also 5 users who apply for credit cards (debit cards) collectively in the company. I would also like to remind everyone here that when applying for a card offline, you must pay attention to protecting the security of your personal identity information.

Rejected "Comprehensive Score"

As mentioned at the beginning, many friends will be rejected instantly. Compared with others, they are approved instantly. It is just because they did not pay attention to the following three items before applying for the card.

First, the credit is good;

Second, the "family property" is rich;

The third is the right choice.

1. Good credit

When applying for a credit card (credit card), the bank will first check your personal credit record, and the personal credit report mainly depends on your personal credit card (credit card). ) usage/repayment information, loan information, and also includes personal telecommunications, water, electricity, gas and other payment information. Having a good credit history will ensure you get a card and get a satisfactory limit. Life is now linked to credit everywhere, so don’t you pay attention to it?

2. Generous "family property"

This does not mean that you must be very rich before you can apply for a credit card (debit card), but that if the applicant has a stable If you have a job, social security, a fixed source of income or fixed assets such as a house or car, applying for a card will be relatively easy.

Because in essence, a credit card (debit card) is the money that the bank lends to the cardholder for consumption based on your qualifications. If you want your application to be successful, how do you prove your repayment ability? The financial strength of the sponsor is the best proof. It’s a cliché, and everyone actually knows it, but it’s just a bit difficult to change.

3. It is important to choose the right card

Choose the right bank according to your own situation and apply for a credit card (credit card) that you have more advantages.

For example, when it comes to choosing a bank, each bank has different characteristics. When applying for a card, you can choose the bank that suits you according to your actual needs.

For example, it is easy to apply for a Bank of Communications card, you like to send credit card (debit card) money, the hottest Friday, etc., suitable for you who like affordable benefits;

CITIC Bank’s cash installment It has a relatively high limit and is suitable for those who spend large amounts;

Guangfa is suitable for those who like installment plans.

In terms of choosing a credit card (debit card), certain cards have advantages for specific groups of people. For example, the Bank of Communications Y-POWER card is only available for young people under the age of 30. These are all things you need to pay attention to. If you know yourself and your enemy, you can get approved instantly as soon as you apply for a card, and you can still have a good credit limit.

If you have been rejected, in addition to analyzing the reasons and improving your own conditions, taking the following measures can also greatly ensure the success rate of your next card application——

1. Apply again after an interval of more than 3 months

Apply to the same bank immediately. Regardless of whether you change application channels or not, the probability of passing is extremely low. And if you apply to the same bank multiple times in a short period of time, you are likely to be blacklisted. The safe way is to wait at least 3 months and at most half a year before applying.

2. Apply for a new card type

The application conditions for regular card, gold card and platinum card are different. If you are not qualified, you may wish to downgrade one level. Be aware that even cards of the same level are very different from each other.

For example, Citibank’s gift card is a gold card, but the minimum requirement of 7,000 monthly salary is higher than that of many banks’ platinum cards. However, Shanghai Pudong Development Bank has many platinum cards, but the application requirements are the same as those of regular cards. No different.

Before applying again, you may wish to learn more about the characteristics of these cards and choose the one that suits you best.

3. Apply from another bank

Relatively speaking, it is more difficult to apply for the card of the four major banks, ICBC and China Construction Bank. If you really can’t apply, you don’t have to. To be honest, Bank of Communications and China Merchants Bank are both good choices.

On the contrary, if you are rejected by commercial banks such as Minsheng and Huaxia, you can also try to apply for the four major banks. You only need to apply for a regular card as a stepping stone, and then apply for major commercial banks later. It will also be much easier to apply for a credit card.

In fact, after playing cards for a long time, everyone will have some ideas in mind. I hope the above content will be helpful to friends who apply for cards in the future.

What to do if your credit card is rejected

After applying for a credit card and being rejected, you must first find out the reason for the rejection. Applicants can call the bank’s customer service hotline to inquire about the relevant situation. After figuring it out, if the applicant wants to apply for the bank's credit card again. It is best to apply again after some time, usually more than 3 months. Do not apply again within a short period of time, as the probability of rejection is still very high.

Of course, when the credit card application is rejected, the applicant can also apply again from another bank. After all, each bank has different standards. If one bank’s application fails, the other bank’s application may meet the requirements and pass. In this regard, in order to improve the success rate of card application, applicants can choose some joint-stock commercial banks. Their requirements are relatively low compared to the four major banks, and they are easy to get cards.

Methods to improve the success rate of credit card application: 1. Provide comprehensive application information. When applying for a credit card, in addition to basic proof of employment and income, provide as much proof of financial resources as possible such as houses, cars, equity, etc.

2. Choose the appropriate channel to apply for the card. Nowadays, there are many channels for applying for credit cards, such as online application, application at bank branches, and application at mobile stalls. I would like to remind everyone that you should try not to apply online, because without the guidance of staff, it is easy to fill in the information incompletely and make it difficult to apply for the card. Therefore, when applying for bank branches or mobile stalls, the bank will try its best to help you apply for the card.

What should I do if my credit card is rejected instantly because of insufficient score? Find the cause and prescribe the right remedy

It is easier to apply for a credit card, but whether you can apply for the card depends on the bank. Generally, banks will conduct a comprehensive score after receiving the application materials submitted by the applicant. Then the card will be approved and credit granted based on the scoring results. Many people are rejected immediately due to insufficient ratings and want to know what to do. In fact, this requires finding the specific reasons.

The bank will refer to many aspects when making a comprehensive score, including age, gender, workplace, occupation, position, income, working years, education, housing, marriage, number of dependents, personal credit, etc. , each item corresponds to a score. As long as there is a problem with any one of them, the overall score will be insufficient, and it is normal for the card to be rejected instantly.

So, what should I do if my credit card score is rejected?

For this, you have to find out what are the reasons that affect the comprehensive score, such as whether the personal life is unstable, the personal financial income is unstable, the personal credit report is bad, etc., and then after working hard to improve the qualifications, follow the following As mentioned, apply for a credit card:

1. It is best to wait at least 3 months before applying for a credit card from the same bank after being rejected. The longer the interval, the better;

2. If it is If your online application is rejected, you can go to the counter to provide sufficient financial proof of car ownership, real estate, etc. to apply for a card;

3. Choose the appropriate card level based on your own qualifications, and do not blindly apply for high-end credit cards;

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4. Apply to a bank with a lower threshold. For example, if your application for a credit card from the four major state-owned banks is rejected, you can apply for a credit card from a commercial bank.

The above is the relevant introduction of "credit card was rejected immediately due to insufficient score". I hope it will be helpful to everyone. In short, it is common for credit card applications to be rejected. Don’t be too discouraged. As long as you work hard to improve your qualifications, the problem of insufficient scores can be easily solved.

That’s it for the introduction of what to do if your credit card application is instantly rejected.