There are many reasons why credit card applications are rejected, generally the following situations occur:

1. The application does not meet the credit card issuance conditions

Some applicants are applying for a card At the time, I didn’t see clearly the application conditions for the card. In fact, many credit cards have application conditions, such as student cards, female cards, membership cards, or age restrictions. If you do not meet the bank's conditions, your card application will be directly rejected.

2. The applicant’s comprehensive score is insufficient

Now when applying for a card, banks will use an automatic scoring system to score users. Only those who reach the score line set by the bank can approve the card. Those who do not reach the score will be rejected. The notice that many applicants receive "Card is refused due to insufficient comprehensive score" refers to this score. These scores come from income, employment, assets, usage of already held cards, and more.

3. The applicant submitted too few application materials

Card applicants must not only pay attention to the authenticity of the application materials, but the integrity of the information is equally important. This is whether the bank can approve the card. important basis. This information is especially important when applying for a credit card for the first time. For example, if you have a house and a car and can submit a house purchase contract, vehicle driving license, etc., the probability of approval is greater; if you only have simple materials such as a copy of your ID card, the probability of approval is low.

4. The applicant has a bad credit record in his credit report

After receiving the credit card application, the bank will check the applicant's credit record through the credit report platform. If you have a good credit history, you are more likely to be approved for a credit card.

5. The applicant applied through informal channels

Try to choose formal institutions when applying, such as the bank’s official website, there are many intermediaries that collect money to apply for cards and some roadside card application points It is intended to defraud money and user information, and cannot approve cards.