This situation may be caused by the following aspects:
1. The application materials are incomplete.
Sometimes, when people apply for a card, they often submit insufficient information, which can easily lead to the rejection of the card application, because the bank will review it according to the information submitted by you, and the information is incomplete. Even if the credit is good, the bank can't evaluate it, so it may be rejected.
2. The information filled in is untrue.
Many people have seen various card handling skills on the Internet, and mentioned that you can exaggerate as much as possible when filling in the application materials. Such as education and income. In this case, once the bank finds that the application information you fill in is problematic and untrue, even if the credit information is ok, it may be rejected.
3. The applicant institution or channel is wrong.
Be sure to apply for a credit card in an official institution or a third party authorized by an official institution, or you will fall into the trap of a black intermediary unconsciously. This not only prevents you from getting a credit card, but also leads to the disclosure of personal information, causing irreparable economic losses.
4. The debt ratio is too high.
When applying for a credit card, the bank will also evaluate your repayment ability. After all, the high debt ratio may lead to insufficient repayment ability. The bank will refuse to approve the card for fear that the inability to repay the card will be overdue and increase the bad debt rate.
5. The application frequency is too high.
In order to avoid card failure, people often apply for credit cards from multiple banks at the same time in a short time, which will also lead to card failure. After all, the bank will check the credit information when approving the card, and each inquiry will leave a record. If there are too many records, the bank will think that you are short of money and will not approve the card easily.
This answer is provided by Youhuahua, a credit service brand under Xiaoman Finance (formerly Baidu Finance). The reliable interest rate is low, and the amount can be calculated immediately by clicking the bottom of the mobile phone, and the maximum loan amount is 200,000.