What should I do if my credit card is rejected instantly because of insufficient score? Find the cause and prescribe the right remedy

It is easier to apply for a credit card, but whether you can apply for the card depends on the bank. Generally, banks will conduct a comprehensive score after receiving the application materials submitted by the applicant. Then the card will be approved and credit granted based on the scoring results. Many people are rejected immediately due to insufficient ratings and want to know what to do. In fact, this requires finding the specific reasons.

The bank will refer to many aspects when making a comprehensive score, including age, gender, workplace, occupation, position, income, working years, education, housing, marriage, number of dependents, personal credit, etc. , each item corresponds to a score. As long as there is a problem with any one of them, the overall score will be insufficient, and it is normal for the card to be rejected instantly.

So, what should I do if my credit card score is rejected?

For this, you have to find out what are the reasons that affect the comprehensive score, such as whether the personal life is unstable, the personal financial income is unstable, the personal credit report is bad, etc., and then after working hard to improve the qualifications, follow the following As mentioned, apply for a credit card:

1. It is best to wait at least 3 months before applying for a credit card from the same bank after being rejected. The longer the interval, the better;

2. If it is If your online application is rejected, you can go to the counter to provide sufficient financial proof of car ownership, real estate, etc. to apply for a card;

3. Choose the appropriate card level based on your own qualifications, and do not blindly apply for high-end credit cards;

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4. Apply to a bank with a lower threshold. For example, if your application for a credit card from the four major state-owned banks is rejected, you can apply for a credit card from a commercial bank.

The above is the relevant introduction of "credit card was rejected immediately due to insufficient score". I hope it will be helpful to everyone. In short, it is common for credit card applications to be rejected. Don’t be too discouraged. As long as you work hard to improve your qualifications, the problem of insufficient scores can be easily solved.

What to do if the application for the Minsheng Baitiao Co-branded Card is not approved/rejected

The Minsheng Baitiao Co-branded Card is the third "little white card" and has the dual rights and interests of Minsheng Bank Credit Card and JD Baitiao. Although you can apply for this credit card by filling out the application form online without submitting other information, many users are still turned away. So what should I do if my application for the JD Baitiao co-branded card is not approved?

1. Is it easy to apply for Minsheng Baitiao co-branded card?

According to the official website of JD Finance, there are only three steps to apply for a Baitiao co-branded card: 1. Apply online; 2. Wait for review; 3. Get the card. Users only need to log in to the JD Financial website or mobile client, fill in relevant personal information to apply, and then wait for the card to be reviewed and approved, which is very convenient and fast.

Compared with applying for other Minsheng Bank credit cards, the Baitiao co-branded card application eliminates the need to fill in the paper form, and the entire process is done online, and it can be completed in minutes ~ the filled-in content is basic personal information and work unit information. At the same time, as long as As a "Baidiao" user, the approval rate for applying for this card is very high, and the limit is also considerable.

2. Why was the Minsheng Baitiao Co-branded Card rejected?

1. Failure to meet the card application conditions: age is a mandatory condition and must be between 18 and 65 years old; The necessary conditions are to have a stable job and a fixed income, so as to prove to the bank that you have the ability to afford this card and will not have bad debts.

2. Have a bad credit record: When applying for a card, the bank will first investigate the applicant's personal credit record. To put it bluntly, it is to see whether you have a "record" of overdue or other related circumstances. . If not, you can naturally enter the next level smoothly; if there is a "Dark History", you can pack your things and go home.

3. Frequently apply for credit cards: Many cardholders apply for credit cards from multiple banks while applying for the Minsheng Baitiao co-branded card, which leads to a high possibility that the card application will be rejected. You must know that every card application record of the applicant will be recorded in the credit reporting system. It is easy for the bank to suspect you as a high-risk customer, and naturally it will not be so easy to approve your card.

4. The comprehensive score is too low: The bank will give you a comprehensive review based on the applicant’s application form, qualification documents, credit report and other relevant information and give you a score. If the score is too low, Naturally, there is no hope of applying for a card.

3. What to do if the application for Minsheng Baitiao co-branded card is not approved

If the application for Baitiao co-branded card is not approved, you can contact Minsheng Bank directly and ask why the credit card application failed. Maybe as long as If you add enough supporting information, you can get the card issued again.

However, as far as we know, there is only one opportunity to apply for the Minsheng Baitiao co-branded card. If the application fails, everyone has no choice but to apply for other types of cards. For example, the CITIC Baitiao co-branded card is also very good.

Is it easy to apply for Minsheng Bank credit card online? Why was mine rejected instantly

It is relatively easy to apply for Minsheng Credit Card online, but you need to meet the application conditions. Those who do not meet the application requirements will be rejected. There are many main reference factors, such as age, job, income, education, etc. The applicant's card holding and use in other banks or credit status in other institutions will also be referenced.

After receiving the application form and relevant materials from the applicant, the card-issuing bank must review the applicant's creditworthiness. The content of the review mainly includes whether the content of the application form is true. For the applicant, the creditworthiness of the applicant must be assessed. For individuals, the relevant circumstances of the guarantor must also be reviewed.

Minsheng Bank’s credit card review department will comprehensively score each applicant’s situation in all aspects. Cards will not be issued to those with insufficient scores. Only those who meet the scoring criteria will receive a legal credit card.

The specific factors and processes reviewed by the card issuing bank are commercial secrets and are generally difficult for outsiders to understand. The standards of each card-issuing bank are also different. Therefore, the same materials may be issued with different credit limits and different types of credit cards in different banks. Some banks may even approve the application, while others may reject it. .

Minsheng Credit Card Counter Activation Rejected

Credit card activation will ask some basic questions, all of which fill in the application content. For example, name, ID number, company name, address, residential address, position, etc. Rejection may be due to a mistake in some aspect.

One-phone activation process: 1. The customer calls the credit card customer service number to enter the automatic voice menu of the Minsheng Credit Card 24-hour customer service hotline;

2. Select "Card Activation";

3. Customers whose ID card type is an ID card, please enter their ID number; customers whose ID card type is non-ID card can choose manual help;

4. Enter your credit card according to the voice prompts to activate the card.

2. Mobile phone text message activation

1. Edit text message: jh (last four digits);

2. Send to: 106902895568

3. After the SMS is sent successfully, you will receive the corresponding confirmation information. After successfully activating the card, please call the customer service hotline to set your transaction password and query password to ensure the normal use of the card.

3. Online activation

1. Log in to the official website of Minsheng Bank Credit Card and click to enter the "Online Activation of Credit Card" function;

2. Select the certificate on the page Type, enter the certificate number and the credit to be activated;

3. Click "Get Verification Code", receive the verification code through the reserved mobile phone and enter it into the page, and enter the additional code at the same time;

4. After successfully activating the card, it is recommended to call the customer service hotline to set your transaction password and query password to ensure the normal use of the card.

How to solve the problem of being rejected when applying for a credit card?

How to solve the problem of being rejected when applying for a credit card?

You should find out the reason why you were rejected and then solve it

The first type of reason is the applicant’s basic information, such as under 18 years old, occupation that is restricted by bank credit cards, and insufficient information provided. Detailed, payroll information is not detailed, etc.

The second type of reason is the applicant’s credit situation, such as the applicant applying repeatedly, having an unstable job, having a bad credit record, and being unable to be contacted, etc.

The third category is other reasons, such as the liaison person not knowing or unwilling to be the liaison person, the applicant's health reasons, the liaison person not meeting the requirements, etc.

Generally, after your application for a credit card is rejected, whether you apply again at the same bank or another bank, the next submission must be made three months later.

1. Research the reasons for rejection of credit card application. After a credit card application is rejected, the bank will not inform the customer of the reason for rejection. It will only say that the comprehensive score is insufficient and will not return the application materials to the person. This is an industry standard. Applicants can analyze the reasons for rejection based on the information provided by iGo Finance.

2. Apply for a suitable credit card based on your own conditions. Understand the application conditions of the credit card you choose in detail. If you do not meet the conditions, it is best to apply for other types of credit cards or credit cards from other banks.

3. Provide detailed credit card application information. If the submitted file is incomplete, does not provide a permanent residential address, does not provide a fixed residential phone number for yourself or your immediate family members or siblings, does not provide a work phone number, or exceeds the requirements (supplementary documents ), if the time, income/work certificate, and property certificate files do not meet the requirements, the application may be rejected again, so cardholders need to pay attention.

4. Pay attention to answering the credit inquiry phone calls. Some banks will patiently conduct credit inquiry calls multiple times. Missing a call or two can make up for it; for some banks, missing a call once or twice may lead to the rejection of the credit card application, so submit After applying, be sure to answer the credit call.

5. If you choose another bank to apply for a credit card, if it is not due to poor credit history, being rejected at Bank A will not affect your application at Bank B. If state-owned banks pay more attention to local accounts and stable real estate. If you do not meet such conditions, you may consider applying for a joint-stock bank credit card.

Why have my credit card applications been consistently rejected?

If you are applying for a China Merchants Bank credit card, the most important condition is to have a stable job and income, and the required application file is a copy of your identity certificate. and employment certificate files. If you can provide other financial proof files, it will be more helpful for us to understand your personal situation and determine your credit limit. The credit card application audit is comprehensively assessed by the system. During this period, we refer to many factors, such as age, job stability, income, personal credit and other aspects. Maybe your original application information did not fully reflect your true situation, which resulted in the application not passing. If the audit fails, our bank will send a text message to notify you on the 6th day. If the mobile phone number is abnormal, a paper return notice will be sent. letter. If your job or financial information changes in the future, you can re-submit the information and apply again after 3 months. I hope you can apply for a card successfully next time!

My application for a credit card has been rejected

If you are applying for a China Merchants Bank credit card, the application review will be comprehensively assessed by the system and will take into account many factors, such as work, income, and stability. , personal credit and other aspects of the situation are not determined by unilateral factors. It may be that the information you attached when you originally applied did not fully reflect your personal situation, which resulted in the application not being approved. You can reapply 3 months after your initial application.

My application for a credit card with too much debt was rejected immediately, what should I do?

You can apply by paying off the debt. The process at the counter is:

1. Go to the credit card application Go to a bank branch, or ask the staff at the local bank’s credit card center to fill out the credit card application form. The content of the application form generally includes the applicant's name, basic information, financial status or source of income, guarantor and his/her basic information, etc.;

2. Submit certain photocopies and certificates of documents to the card issuing bank. ;

3. After filling in the application form truthfully, you must submit the relevant credit certificate together with the completed application form;

4. The application form is accompanied by a credit card. According to the contract, the applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a declaration of the authenticity of the information, the card issuer's privacy policy, etc., and must have his or her signature;

5. Credit card application process Basically completed, waiting for the credit card to be issued.

I have always been rejected when applying for a credit card in 1995

Hello, if you are applying for a credit card from our bank, the audit needs to be comprehensively assessed by our bank's system, and there are many reference factors, such as age. , job stability, income, credit history, etc. If the audit fails, our bank will generally send you a notification letter via regular mail within 3 working days. There is no email or SMS notification yet. If the applicant's job or financial information changes, he or she can resubmit the information after 3 months. Our bank will properly handle all application materials submitted by applicants to ensure privacy and security.

(You can consult online through QQ or WeChat about the China Merchants Bank credit card service information you want to know. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2 : Search the number "cmb4008205555" in WeChat and follow China Merchants Bank Credit Card Center)

What should I do if my credit card application is always rejected

The most common reason why credit card application is rejected:

1. Bad personal credit report

It has been overdue in the past and has even been blacklisted by the Bank of Communications. It is easy to be rejected when applying for a credit card, and there is almost no possibility of "turning over". This shows how important personal credit record is.

2. The application information filled in is untrue

Many cardholders will exaggerate their work unit and income in order to successfully apply for a card or even a high limit. This will not only prevent them from applying for a high credit limit. Credit cards will also be declined.

3. Too many existing credit cards

If the card applicant already has too many credit cards, the bank will think that the card applicant is suspected of cashing out, so it will not pass the audit.

Reasons for rejection:

1. Overdue credit report

Many applicants have overdue records on their personal credit reports because they have previously applied for loans or credit cards. , check your personal credit report regularly, and make timely remedies if any credit is found to be overdue.

2. No one answers the audit call

When applying for a credit card, most people know that the bank customer service will call to verify your basic information, but there are often many reasons why you forget to If you fail to bring your mobile phone or miss a call, your application success rate will plummet.

3. Incompatible work industries

Practitioners engaged in wholesale, individual, direct sales, insurance, logistics, entertainment, catering, security and freelance industries will be strictly reviewed and approved.

4 Age does not match

Applicants are required to be between 18-60 years old

5. Repeated applications

The bank will review and approve The system automatically sets a minimum application interval of 1 month and a maximum of 6 months. During this period, if a rejected application occurs, the system will directly reject the application without going to the manual audit stage.

Why are my credit card applications rejected?

If you are applying for a China Merchants Bank credit card, the application review will be comprehensively assessed by the system and will take into account many factors, such as work and income. , stability, personal credit and other aspects are not determined by unilateral factors. It may be that the information you attached when you originally applied did not fully reflect your personal situation, which resulted in the application not being approved. If your job or financial information changes, you can reapply 3 months after the initial application.

Analysis: Why the application for a credit card was rejected

It means that your personal qualifications do not meet the application standards for the card. Do not apply again within three months. You can try another company and download it on your mobile phone. Apply for the National Bank of China online application. There are credit cards from various banks that you can apply for. I hope it can help you

Can you reapply if your credit card application is rejected?

Can you apply for a credit card if your credit card application is rejected? 3 Apply again after a few months. It is recommended to apply again after meeting the credit card application conditions.

Required conditions for applying for a credit card:

1. A natural person who is over 18 years old and not more than 65 years old and has full civil rights;

2. A stable person Legitimate source of income;

3. The review information provided is authentic and verifiable;

4. The applicant’s credit record is good;

5. The applicant has Stable housing.

Will a credit report be required if your credit card application is rejected?

If the credit card application is successful, the credit card record will be included in the credit report

If it is rejected

Only after you apply, the bank will check the credit record as a routine

This is the end of the introduction on how to deal with instant rejection of Minsheng credit card and why the credit card is rejected instantly. I don’t know. Did you find the information you needed?