If you apply for a credit card online, you will receive an interview text message from the bank after passing the preliminary review. Many users think that this is a simple process and there is no need to worry about card rejection. But in fact, there are many people who are rejected for credit card interviews. In order to help users improve the success rate of credit card interviews, here is a summary of the reasons why credit card interviews are rejected. I hope you can compare the reasons to find your own shortcomings. So, what happens if your credit card is declined after the interview? There are mainly these reasons!
1. Apply for a credit card in another place. Some local credit card application platforms only open applications to citizens within their jurisdiction. Although citizens from other areas may successfully apply online, they may also face rejection when they go for an interview. Because there are no branches of the card-issuing bank where you live or work, it is easy to reveal your secret.
2. Apply for a card under someone else’s name. Some people fake other people's identity information to apply for a card, and the credit card interview requires verification that the person applying for the card is the person who is applying for the card. If the profile picture on the ID card provided is different from the person interviewing, the card will definitely be rejected, and the applicant may also be blacklisted by the bank.
3. The total credit limit on credit cards from other banks is too high. During the interview, some banks will ask the user how many credit cards they hold, the maximum credit limit, etc., and then deduct the total credit limit of other banks' credit cards based on the upper limit of each user's credit limit to see how much of the remaining credit limit is. If the credit limit is too low, the card will be declined.
4. Provide false information or submit insufficient information. In addition to requiring the interview users to provide a valid ID card, some banks will also require the users to provide income certificates, bank statements and other related materials. If sufficient materials cannot be provided, for example, if the income certificate is not stamped with the official seal of the unit, or if the bank statement is printed without a stamp, the materials are invalid and the card will naturally be rejected.
Therefore, the credit card interview process cannot be ignored. When applying for a credit card, users should consider their repayment ability and submit a credit card application within the financial limit, so as to avoid excessive consumption of credit cards. The eventual inability to repay occurs. Moreover, when using a credit card, you must maintain good card usage behavior, repay the loan in full and on time, and avoid overdue payments.