First, look for the reasons for poor credit reporting

There are many reasons for my poor credit reporting, such as overdue loans (more serious situations, large amounts, overdue loan periods) More than 3 months); the debt is too high (there is a statistical analysis of debt on the credit report, and the risk factor is extremely high if a bank with high debt overdrafts your money); the credit report is checked too often (there will always be a bank checking your debt) If you don’t have good credit cards and frequently apply for credit cards and borrow money, there are also problems); if you have poor credit card swiping habits, the bank will mistakenly think that you have TX behavior.

Generally, after your card application is rejected immediately, you can find the answer from the above reasons. It may also be caused by a variety of reasons, and the specific situation needs to be analyzed in depth. Second, check the reasons for becoming a black account in the bank

What is a black account? After overdrafting a credit card, a bank credit card customer who fails to repay the loan before the loan repayment date as stipulated for several times, causing the bank to demand payment, is determined to be blacklisted by the bank and entered into the credit blacklist. Of course, the bank will politely refuse such a customer's application for a card. Third, how should I correct my credit report if it is not very good?

If the loan is overdue: if the loan is overdue within two months, the instant rejection caused by this means that your loan overdue is not generally serious. This reason can also be traced out by itself. It is recommended to make good use of it. For that card, repay the loan five or six days in advance after consumption, so that the bank will have a sense of belonging, and the sense of belonging will be enough for about three months;

If the debt is too high: the loan is too much, the total credit limit of the bank's credit card If it is very high, the bank will doubt your ability to repay the loan. It is recommended to repay the loan in advance before applying for a credit card. The debt will be reduced.

If it is due to too many credit checks: this is also a defect. . . Those who have been rejected and applied again and again can check your perfect credit report and a series of checked records. In response to this situation, or to take a breather for your credit report, take some time off. . . Generally, about half a year is appropriate.