Insufficient credit card comprehensive score means that the applicant does not fully meet the conditions for issuing credit cards. Credit card comprehensive scoring refers to the bank's assessment of the applicant's comprehensive credit by using a fixed scoring system based on the information provided by the credit card applicant.
There are many factors that affect the comprehensive score, including marital status, technical title, work, economic ability, personal housing, credit record, education and so on. After all the scores are accumulated, the so-called "comprehensive score" is obtained.
If the nature of the work unit is a public institution/government agency, 3 points, then some occupations with unstable income may only have 1 point; Married is 2 points, then unmarried may be 1 point.
Extended data
Interest-free repayment period: Interest-free repayment period refers to the interest-free period of consumer transactions enjoyed by cardholders who repay in full on time. The interest-free period is from the bank bookkeeping date to the repayment date, with a minimum of 20 days and a maximum of 50 days. Overdraft cash withdrawal transactions do not enjoy interest-free repayment period.
Tip:
If you don't repay in full before maturity, you won't enjoy the interest-free period. The Construction Bank will charge interest at a daily interest rate of 0.5 ‰ and compound interest monthly. The interest-bearing date is from the date of consumption to the date of repayment, and the interest-bearing principal is calculated according to the actual amount payable.
If the repayment is not made before the due repayment date or the repayment amount is lower than the minimum repayment amount, CCB will charge interest as required, and at the same time charge a late fee of 5% of the minimum repayment amount.
Baidu Encyclopedia-CCB Credit Card
Baidu encyclopedia-personal credit scoring system