The bank staff called to tell them that from the existing information they can see, it can be judged that you can apply for a credit card, but the specific handling situation should be further reviewed according to the information submitted by individuals. If the audit is not successful, it will not be passed.
After receiving the application materials, the bank will comprehensively score according to each person's situation. Personal credit is very important. If the bank fails to pass the recent audit, it is better to wait for the change of income or qualification before applying.
Reasons for failure of credit card approval:
Personal credit report has a bad credit record, and the information filled in at the time of application is asymmetric. Banks with excessive debts consider the repayment ability and repeat the application.
If individuals don't check credit records, they can go to the central bank or online (at present, only 9 provinces and cities can check credit reports to see if there are overdue records. Whether there is information asymmetry when filling in your own information, if there is none of the above, the application strictness of each bank is generally different, and the approval of state-owned banks is generally stricter.
What if the audit fails?
If the credit card application fails, the first thing to do is to find out the reason, know what materials are wrong, modify them and resubmit the application; It should be noted that it is best to apply for a credit card in the same bank every three months.
Above. If it is a different bank, there is no such requirement.
If applying for a credit card is a problem with the user's credit information, this reason cannot be changed, but users can also try some commercial banks that are not very strict with the credit information requirements, and maybe they can pass; I suggest you come here.
Before applying for a credit card, you'd better check the credit information to make sure there is no bad record.
If users have enough credit cards, banks will refuse to issue them to prevent risks. After all, there are too many cards, and banks will doubt the repayment ability of cardholders, but at this time they can submit powerful wealth.
Prove it to me.
Credit card applications usually take 20 working days to get the card. After getting the card, the user can first know the basic information of the card, such as bill, repayment date, annual fee, withdrawal fee, etc. Only in this way can they know these.
Information, users can better use the card. The most important thing is to know how to avoid annual fees. Generally, new cards are free of annual fees in the first year, except for high-end cards.