The application for Everbright Bank credit card failed

Does not meet the card application conditions.

The application for Everbright Bank credit card failed because it did not meet the card application conditions, the application information was incomplete, personal credit was bad, and the bank score was not up to standard.

There are entry thresholds for credit card applications. Banks need to consider the applicant's age, working years, salary income or other financial resources to score. If the score is not enough, the application will naturally end in failure. In addition, specific credit card types have specific application conditions. For example, applicants for China Merchants Bank Young Card must be under 30 years old. If you are too old, your application will inevitably fail.

The application for the Everbright Bank credit card virtual card failed

Hello, there are several situations that may cause this problem.

1. Does not meet the card application conditions. Many users do not carefully check the application conditions when applying for a credit card. You should know that many credit cards have application conditions, such as student cards, female cards, membership cards, or age restrictions. These problems will directly lead to the rejection of the card application. At the same time, gold cards and platinum cards are generally only available through invitations from the credit card application platform. Unless the cardholder has good financial proof, it will be difficult to successfully pass the review.

2. The application information is incomplete. Card applicants must pay attention to the authenticity and completeness of the application information, which is an important basis for the bank to approve the card. This information is particularly important when applying for a credit card for the first time. For example, if you have a house and a car and can submit a house purchase contract, vehicle driving license, etc., the probability of approval is higher; if you only have simple materials such as a copy of your ID card, the probability of approval is small.

3. Bad personal credit. After receiving a credit card application, banks will often check the credit status of the card applicant through the credit reporting platform. If the credit record is good, then the bank will approve the card application request; on the contrary, if the card applicant has average or poor credit, then the bank will The card will be rejected.

4. The bank rating is not up to standard. Banks use a scoring system to automatically score users. Cards can only be approved if they reach the score line set by the bank. If the score is not reached, the card will be rejected. The notice "Card issuance refused due to insufficient comprehensive score" received by the user refers to this score.

As for how long it will take after a failed application for Everbright Bank credit card to be applied again? In fact, there is a time limit, and it depends on the channel for re-application and the customer's identity.

1. If your online application for Everbright Credit Card is rejected and you apply again at your account manager or branch, there is no time limit;

2. If you apply online again, New customers must apply again 30 days after the previous card application time, and old customers can apply at any time.

Why is China Everbright Bank’s credit card rejected after the interview?

The reasons why China Everbright Bank’s credit card may be rejected are as follows:

1. The application information does not match

During the interview, the bank staff will re-examine the customer's application information, including personal identity, workplace, annual income, home address, etc. If during the review it is found that the application information is seriously exaggerated or falsified ingredients, then it will not be so easy to pass the interview.

2. Insufficient financial resources

Although personal financial status was also assessed when applying for a card before, many friends applied online, so it was easier to pass the application. However, you need to go to a business outlet to apply for an interview in person. During the interview, the staff will re-examine your financial situation. If the staff believes that you do not have the ability to repay the credit card bill, the interview may also be rejected.

3. Bad attitude

Be sure to have a sincere attitude when interviewing at the bank, and do not have an impatient or boring attitude towards the staff. The basic qualities of the customer must also be present during the interview. Only by giving bank staff a good external image will the interview success rate be higher. Things to note during the interview: It is best to dress appropriately during the interview. It would be best if you can wear formal attire.

Extended information:

The credit card interview may be rejected, because the main purpose of the credit card interview is to allow the bank to verify your identity information and check whether your information is true. Check to see if you applied in person. If you want to be approved for a credit card, you must meet the bank's requirements in terms of credit and income and financial resources. If you fail to meet the requirements, the bank will reject your card application.

Notes for the Everbright Bank credit card interview:

1. Wear formal attire to give the bank staff a good impression.

2. The prepared information must be complete. If the information is incomplete, the bank will not approve it. So you must prepare proof of employment, income, real estate certificate or deposit certificate, etc.

3. Be careful when answering the staff's questions, and be careful not to answer the questions incorrectly or answer questions differently from what is stated in the information.

China Everbright Bank - China Everbright Bank Credit Card Articles and Application Agreement Updated Version Announcement

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Everbright Credit Card will not be rejected immediately and will not be rejected the next day.

Ebright Credit Card does not reject it immediately, nor will it be rejected the next day. The rejection depends on whether it meets the standards.

The reasons why the application for Everbright Bank credit card was rejected are as follows:

1. The work certificate does not meet the requirements or the work industry is special. The employment certificate is an important document that proves the applicant's repayment ability and determines the success or failure of applying for a credit card to a large extent. Banks restrict the issuance of cards to certain groups of people, mainly those engaged in the service industry, freelancers and self-employed individuals without a business license. For example, jobs in bars, KTVs, supermarkets, restaurants, etc. are highly variable and the income is unstable. Banks question their long-term repayment ability.

2. Credit records corresponding to loans and other banking businesses. Some people have never used a credit card, and their first application was rejected because of problems with their credit record. Home loans, car loans, and installment purchases are all closely related to your credit record.

Notes on applying again after your Everbright Bank credit card is rejected:

1. After your application for a credit card is rejected, you can apply again after 3 months; or choose another bank to apply. . If you apply for a credit card from the same bank again in a short period of time, the possibility of rejection

is still very high. Because the bank believes that the applicant's personal situation will not change much within 3 months.

2. When applying for a credit card, be sure not to submit application materials to multiple banks at the same time. Otherwise, the bank will think that the applicant has a malicious tendency to overdraft and reject all applications.

3. When applying for a credit card, choose a bank that is easy to apply for, such as Bank of Communications, China Merchants Bank, and CITIC Bank.

This is the end of the introduction about China Everbright Bank credit card being rejected and how long it takes to reapply after being rejected. Did you find the information you need?