There are many college students who have just graduated, and many young people who have just entered the society. Seeing others using credit cards inevitably makes me feel a little itchy. The card dealer tribe found that many people inevitably encounter many difficulties when applying for credit cards due to their lack of knowledge about credit cards. But I don't know why. Everyone knows that credit card applications are reviewed by the Credit Card Review Center, but they don’t know what content is reviewed. After applying for credit cards from several banks and being rejected, I inevitably thought that applying for a credit card would be difficult. Some people also think that only financial services intermediaries can handle credit cards. So is this the truth? I think that only if you understand the contents of credit card review can you successfully apply for a credit card.

Query the People's Bank of China credit information:

The People's Bank of China records the information of every individual who has dealt with a bank or financial company in the People's Bank of China's personal credit report. All your information is clear and detailed. The credit report provides an objective evaluation of you personally. If your credit is stained, you will easily be screened out at the first level.

Evaluate your personal credit report:

If you are slightly overdue or have other problems, the bank will conduct a detailed evaluation of your credit report. For general loans, look at reports within 5 years, and for credit cards, look at reports within 2 years. Your credit inquiry status and the number of credit inquiry inquiries will also have a lot of impact on your credit card application.

Bank internal evaluation system:

The bank has its own internal scoring system, which evaluates you overall based on your application form information and information collected from all aspects. The information collected by the bank is very detailed, and it will give you a score in the end, and the score will decide whether to pass or reject the application.

Authenticity of the information on the application form:

If you graduate from elementary school and fill in your university information, the bank will think you are dishonest if they find out. Whether you have a job, whether you have housing, whether you are a local, academic qualifications, etc. are all information that needs to be reviewed.

My suggestion: If you cannot apply for a credit card, you may check your credit report before applying for a credit card. Now you can check online or at the local People's Bank of China. It is free to check your personal credit report. As long as your credit report is good and you fill out the credit card application form correctly. Applying for a credit card is actually not difficult.