Bank of Nanjing ncard Credit Card is a digital credit card, which has no physical card. At present, it can support online processing, and can apply through the channels of Bank of Nanjing NCard WeChat WeChat official account/applet, Bank of Nanjing Xinweiting applet, or Bank of Nanjing Mobile Banking and Bank of Nanjing Guanwei.

For example, on the WeChat WeChat official account of Nanjing Bank, after paying attention, click "Xinweiting" -Ncard application on the menu bar, jump to the credit card application page, enter your name, ID number, mobile phone number and verification code as prompted, check the articles of association of agreeing to handle the card, and click Next to conduct bank review.

why is the ncard credit card of Nanjing bank rejected?

The application for Nanjing Bank is relatively simple, but not everyone can handle it. If it is rejected, there are two key reasons, one is bad credit, and the other is insufficient repayment ability.

1. Credit records and inquiry records are key reference items for credit card applications. For example, there are frequent card applications and loan applications in the three months before the card is issued, or there are outstanding debts at present, which may be rejected if they are overdue for three to six years in the past two years.

2. Although the applicant's work income is stable, if the credit records on the letter are not paid off, such as credit cards and various small loans, the personal debt ratio will exceed 5%, indicating that the applicant's repayment ability is worrying, and it is likely that he will be in a state of living beyond his means, and there is a great unknown risk in approving the card.