What's wrong with the credit card

Now many netizens will apply for one or two credit cards, because credit cards can be described as very practical, not only for spending in advance, but also for working capital. So do netizens know what's wrong with the credit card? Let's follow me to find out.

1. We must first look at the application conditions. Look carefully at the student card and female card, or there is an age limit, so we can't apply.

2. Besides, we card applicants must fill in all the information neatly, because this is a very important basis for all banks to approve cards. Especially when you just apply for the first time, these information must be filled out.

3. In addition, after receiving the credit card application, the bank staff will also check your credit record through the platform. If the credit record is not good, the card will not be approved. If it is good, it is very likely to be approved.

4. In addition, our bank staff will ask the system to give you a score. If it really reaches the bank score, the card will be approved. If it doesn't, you will definitely not be approved, and you will also receive a message that the card will not be approved.

The above is the introduction of why the credit card can't be done. I hope it can help netizens.

Why do I always get rejected when I apply for a credit card online?

Take a high-income person as an example. There are three main reasons why my credit card is rejected.

reason 1: I found that my intention was not strong during the telephone call back

Applicants may be rejected if they don't answer the phone, or can't get in touch, or they don't express their willingness to apply for a credit card on the phone. Because some customers don't want to apply for a credit card at all, the bank's credit card specialist pesters them, may deliberately fill in the wrong phone number, or say that they don't know or don't want to apply for a credit card when they call back. In this case, the head office may not approve it.

reason 2: the information in the application form is incomplete

another main reason why high-income people are refused credit cards is that the credit card application form is not detailed enough or inconsistent with the real situation. When the bank verifies through other channels, it may reject the application if it finds problems. The reason is also because these bosses are not willing to apply for cards and deliberately fill in the wrong information.

reason 3: having a serious bad credit record

for people with high income and high positions, why do they have a bad credit record, overdraw their credit cards, and fail to repay in time? In addition, some people usually don't care about their credit card repayment date, and if they don't pay it back in time, it will also cause bad records. For the influence of bad records on credit card approval, each bank has different standards. Some banks can approve as long as there is no debt at sight or no overdue; Some banks can't have bad records in the past three years.

Extended information:

Credit card applications are rejected for many reasons, such as application information problems, mainly including information filling errors and information falsification. Personal qualification, personal qualification actually refers to whether all aspects of your person meet the requirements of the bank for credit card customers, including age, occupation, income, credit information and so on.

in terms of credit reporting, this is a factor that banks should consider at the core. First of all, for white credit households, that is, there is no credit card use record and no loan record, the central bank's credit reporting is blank, and most banks are very cautious about this group, which is generally difficult to pass.