Many users realize the importance of credit cards. In order to meet their daily consumption needs, they rush to apply for credit cards. After all, using credit cards is also a good choice when they have no money. However, the credit card must be approved by the credit card application platform to successfully apply for the card. If it does not pass the approval, the card will be rejected. So, what should I do if my credit card is not approved? Check out this guide to applying for a card!

In fact, if the credit card has not been approved, the user needs to find out the reason for the rejection before he can successfully apply for the card in the subsequent card application process. However, the answer generally given by banks is that the comprehensive score is insufficient, and they will not give detailed answers. In fact, the insufficient comprehensive score is caused by two reasons, namely, poor credit reporting and insufficient repayment ability, for example:

1. Bad credit report. This situation cannot be changed in the short term, because bad credit records will be kept for 5 years before they can be eliminated, and no one has the right to modify the credit report. If the user is currently overdue, it is best to pay off the debt as soon as possible and wait three months before applying for a card. If there is a situation where the user has been overdue, it is better not to apply for a card until the bad credit report has been eliminated.

2. Insufficient repayment ability. Users can check personal credit reports to understand their personal debt status. If the debt ratio exceeds 50, you need to pay off part of the debt first. If you have a credit card that is not commonly used, you can cancel it according to actual needs, and then appropriately lower the card level. Generally, choose the regular card or gold card level. It will be easier to pass the review.

After finding the reason, the user also needs to choose a good bank and card application channel, and choose a bank card with a lower threshold based on the individual's actual qualifications. If the success rate of card application is to be improved, it is best to It is best to choose online application channels to apply for a card. It is recommended that after the card is rejected, you should not keep applying at the same bank. You can submit the application to another bank. If the user has strong financial strength and has real estate, cars, and financial products, he can directly apply for the card through the branch. This way, it will be successful. The rate will be higher, but the credit card limit will be lower. In addition, after successfully applying for a card, users must use the credit card as agreed to avoid excessive card use and illegal card use, and maintain personal credit, which is very helpful for future credit activities.