Why is the ICBC credit card application rejected
The failure of the ICBC credit card application may be caused by a poor personal credit report. For example, there is a record of malicious overdraft or loan arrears in the personal credit report. At this time, the bank will not pass the approval, and the bank does not want its credit card to be issued to untrustworthy users. If there is a debt, it is best to return it in time.
The failure of the ICBC credit card application may also be caused by incomplete information submitted by the user. After this happens, the user can re-submit the information. At this time, the chance of approval will be greatly increased, but the application from the same bank It is best to keep credit card payments at least one month apart.
The failure to apply for an ICBC credit card may be because the user has a lot of debt and cannot prove that he or she has a good income. If the debt is relatively high, the applicant already has several credit cards from other banks or has taken out a loan, and the monthly repayment amount is relatively large. In this case, the bank will refuse to issue the card in order to prevent risks.
In order to avoid being rejected when applying for a credit card, users can consult the bank before applying, so that they can know whether they meet the application conditions and then submit the application materials. Users can choose different channels when applying for a credit card, such as bank counters and bank official websites.
Although ICBC did not say it clearly, we all know that ICBC has a gray list. If when you use an ICBC credit card, your card application or limit increase is rejected immediately, but you don’t know the reason, it’s likely that you have entered ICBC’s gray list!
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1. How to enter the gray list?
(1) One is CIIS, which is ICBC’s internal credit rating system. A score below 700 is a sign of concern, meaning it has entered the gray list. A score above 700 is normal. The reason for deducting points is mainly due to frequent card applications in the recent past and too many inquiries from the Hong Kong Economic and Trade News in the past two months.
A certain number of points will be deducted for each inquiry. If you apply for cards from various banks multiple times in a short period of time, it will not be abnormal if the points are not deducted below 700. If you apply for fewer cards within three months (no points will be deducted), you will be fine.
(2) The other is a human intervention system. The local card department can set a time for you (3-24 months or even longer if it sees that you have applied for too many cards or does not like you or has false information, etc. ) locked.
This lock will either be unlocked automatically upon expiration, or the local card department operator will unlock it for you. Although this is an internal rating and has no impact on applications from other banks, some banks are also resistant to too many recent credit report inquiries.
2. How to judge whether you have entered the gray list?
Generally speaking, if your online credit card application is rejected on the same day or the next day (that is to say, the record date is updated once and then rejected), it is very likely that you have entered the gray list, and your application It was killed directly by the system without any manual review.
If further verification is needed, there are two options:
(1) Call customer service and find a manual to ask the reason for rejection of the application record. Generally, customer service will say that the comprehensive score is insufficient. This is what you only need. You need to ask what the following rejection code is. If the answer is 942, then congratulations, you have entered the gray list.
(2) Go to the local card department (people in general branches have no limit, they can only print 1738) and print the 1830 code to see if you are being followed.
3. How to remove the gray list?
(1) If the CIIS score enters the gray list, generally if you do not apply for three months, your score will be restored to more than 700 points.
(2) If you are forced to intervene by the card department, you can only wait until it expires and it will be automatically released, or you can go to the card department that locked you to find a reason and ask him to manually release it for you.
It is relatively easy to enter the gray list. Friends, please do not enter the "blacklist" of ICBC, as that will be more troublesome.
Premonitory signs of rejection of ICBC credit card
There are no precursors to rejection of ICBC credit card. If you do not meet the bank's credit card application conditions, it will not be approved. The application conditions for ICBC credit card are as follows:
1. Aged between 18 and 55 years old, with full capacity for civil conduct.
2. Have a stable job and can provide proof of employment and income.
3. The credit status is good, and there is no overdue record in the past two years when applying for a card.
4. Have a fixed residence and can provide valid proof of residence.
5. There are no other liabilities and no online loans.
Extended information:
Note:
The bank will charge a handling fee immediately when withdrawing cash. And from the date of withdrawal, interest will be charged on a daily basis. Generally, interest will be calculated at 0.5% of the withdrawal amount every day until the principal interest fee is paid off. In other words, a handling fee will be charged when withdrawing cash, and interest of RMB 50,000 per day will be charged thereafter.
When they cannot pay off their credit card bills at once, most people will choose the minimum payment. However, you must know that after the minimum payment is paid off in the current month, all consumption in the current period will be charged interest on the full amount from the recording date, with a daily interest rate of 0.05%.