1, applicant's age. Users must know the age limit of the selected credit card before handling the card. Generally/kloc-people under the age of 0/8 cannot apply for a primary credit card, but they can apply for a secondary card; You can't get a card if you are over 55. Because of insufficient repayment ability, the risk of borrowing is greater. In order to avoid the bad debt rate, banks will not easily approve cards.
2. The applicant's credit. Personal credit investigation is equivalent to the second identity card of an individual, and good credit is one of the important prerequisites for handling bank credit business. When handling a credit card, the credit card application platform will inquire about the credit information of the user, mainly to examine the credit status of the user in the past two years, and to see whether there are credit cards and loans overdue in the past two years, especially in the last six months, which is very important for the credit card approval results. Therefore, if there is a bad credit record, it will also lead to the failure of credit card application. Users are advised to repair their personal credit before submitting a credit card application.
3. The repayment ability of the applicant. Credit cards must be repaid after overdraft consumption. Therefore, banks will require users to have certain repayment ability. Usually, the repayment ability of a credit card can be inferred from its income, liabilities and other aspects. If users have long working years, high monthly income, management level and low debt, it is relatively easy to apply for credit cards, and banks will be stingy with credit lines.
The above is the introduction of the situation that the credit card application failed. Users can submit applications according to their actual needs and repayment ability to avoid excessive borrowing, otherwise it will easily be overdue and have a negative impact on personal credit.