In the process of handling credit cards, personal credit information is a must for banks. Generally, the credit status and repayment ability of users are judged by credit information reports. Many users' credit cards are rejected because of poor credit information. So, what's wrong with applying for a credit card?

what's wrong with applying for a credit card?

Many users have a stable job and income when handling credit cards, and their repayment ability is good. However, they were rejected because their credit information failed. There may be three reasons for this, as follows:

1. Users whose credit information is too white. This kind of users have never handled any credit business, or they have applied for it but failed to handle it successfully. As a result, there is no information in the credit record on the credit report, and the bank can't see any useful information when inquiring about the credit, and they don't know the repayment ability and repayment intention of the users. Because there are many uncertain factors in this kind of users, considering the loan risk, banks may choose to refuse the card.

2. Users who spend too much time on credit information. Because of frequent card application or loan application in a short period of time, users' credit information has been inquired by different institutions many times, thus leaving many hard inquiry records such as loan approval and credit card approval on the credit information report. Users with too many records of this kind are also unpopular with banks, which means that users will continue to apply for cards to obtain funds only after they are short of funds in recent days. Banks will question users' repayment ability and think that they have impure motivation to apply for cards, and they will also refuse to handle them at this time.

3. Users whose credit information is too dark. It mainly refers to users who have handled the credit business, failed to repay within the stipulated time, and most of them have been overdue. In the past two years, they have been blacklisted, which means that users have no willingness to repay and their repayment ability is not strong, and they will be directly rejected by banks.

the above is the introduction of the reasons why the application for credit card credit investigation fails, and I hope it can help you. In short, users should pay more attention to maintaining personal credit in order to have a higher success rate when handling credit cards. Moreover, after handling the card, when using the credit card, users should also maintain good card-using behavior and repay in full and on time.