What is the reason for the rejection of the first trial of China Merchants Bank's credit card? First of all, the preliminary examination only shows that the information provided by the applicant is true and meets the application conditions of China Merchants Bank's credit card; The final examination depends on whether the applicant's personal credit record is tainted in the personal credit information system of the People's Bank of China. After the first trial is passed, the applicant may still be rejected. After the preliminary examination is passed, the bank will ask the online applicant to sign in person at the bank outlet, call back to the applicant and the applicant's unit by telephone, and inquire about the applicant's personal credit report. Any mistake in any link will lead to the failure of credit card review.

1, conditions do not match.

To apply for China Merchants Bank credit card, the applicant needs to meet certain application conditions such as age, working conditions and economic conditions. If the personal data submitted by the applicant does not meet the application conditions, the bank will refuse to approve the credit card.

2. Inconsistent information

The personal information provided by the applicant is untrue and fraudulent. Once the bank finds that the application materials are inconsistent with the facts, it will refuse to approve the CMB credit card.

Third, the comprehensive score is insufficient.

The comprehensive score of the applicant is the main reason for the rejection of the application. During the review process, the bank will make a systematic score according to the information provided by the applicant. If you don't reach a certain score, you won't approve the credit card.

4. Bad credit

The applicant's personal credit information is bad, and his personal credit report has records of overdue, cashing out or other bad behaviors. In order to avoid risks, banks will not approve such applicants' credit cards.

5. The interview failed.

For applicants who apply for China Merchants Bank's credit card online, the bank will notify the applicant to sign in person at the outlet. The interview is mainly to confirm whether the application operation is completed by the applicant himself and ask related questions. Although the success rate of face-to-face interview is relatively high, there are still some applicants trapped in the face-to-face interview process.

6. Did not answer the phone.

During the audit, the bank will pay a return visit to the applicant and the applicant's unit by telephone. If the applicant has not received a phone call from the bank for many times, or the phone number is empty, the bank will directly refuse to sign the credit card.

The above is the introduction of the reasons why China Merchants Bank's credit card was rejected in the first instance. It is not terrible to apply for a CMB credit card to be rejected. As long as we find the real reason for rejection and prevent possible problems in advance, our chances of getting rid of the card will be much greater.