Why are credit card applications rejected immediately?

1. Conditions are not met

Credit card applications have certain requirements, such as age requirements, income requirements, etc. If the applicant does not meet the conditions for applying for a credit card, the credit card application will be rejected.

2. Poor credit report

The credit card itself is based on the credit report as the basis for review. If the applicant's credit report has bad records such as overdue credit, and the credit report has not been restored to good, Then applying for a credit card will only be rejected.

Generally, credit card applications are rejected immediately due to the above reasons. In addition, if the applicant's personal debt is too high, it will also affect the credit card application, but if the debt is not particularly high, it will not cause the credit card application to be rejected instantly.

Hard conditions for applying for a credit card:

1. Be 18 years or older and have full capacity for civil conduct

2. Have a stable source of income

< p> Have a stable source of income. Applicants are usually required to have a fixed job, so as to ensure a source of repayment every month and avoid being unable to repay after swiping the card.

Of course, if the applicant, in addition to a stable job, can also provide proof of ongoing social security, proof of income, or fixed assets such as a house and a car, then the chance of his application for a credit card being approved will be bigger. Because there is a certain amount of proof of assets, it means that the applicant has sufficient repayment ability, and the bank is more confident in issuing a credit card to you.

3. Good credit report

What is "good credit report"? Including on-time repayment, no overdue records, etc. When you submit an application to the bank, the bank will first check your personal credit report. The bank mainly checks your credit card usage/repayment information and loan information, as well as tax arrears records, civil judgment records, enforcement records, administrative penalty records, and telecommunications arrears records. A credit report without "stains" will make banks trust you more.

Tips for applying for a credit card

1. Choose the right bank to apply for a credit card

Choose the right bank and apply for a credit card that meets your actual needs and suits you. Since each bank has different features, each credit card has its own merits. When applying for a card, you can choose the bank that suits you based on your actual needs. Generally speaking, it is easier to apply for credit cards from commercial banks than from state-owned banks. This is because banks compete with each other. Commercial banks are still in the stage of establishing the market and are more willing to issue credit cards to applicants with good conditions; and credit cards from commercial banks There are many promotional activities, such as gifts for applying for a card, etc., encouraging qualified people to apply. It is recommended to apply for credit cards from Bank of Communications, CITIC, China Guangfa, China Merchants Bank, Industrial Bank, China Everbright, Shanghai Pudong Development Bank, Citigroup and other banks.

2. Choose a card type that is easy to apply for.

Different credit card types have different levels of difficulty in applying. For example, general cards and gold cards are easier to apply for than platinum cards. When applying, general standard cards are easier to apply for than special cards. Co-branded cards and theme cards in bank promotions are easier to apply for than non-promotional cards.

It is recommended that when applying for a credit card, you choose a card with a relatively low card level and one that is on promotion at the bank.

3. Make a fixed deposit in the bank or purchase the bank’s financial products

Strive to become a high-quality customer of the bank. A time deposit certificate of more than 50,000 yuan will give the bank the green light to apply for a card. If you don’t have so much savings, you can first apply for a savings card at this bank and use it for daily fund transactions. Making a few bank statements will also be helpful for applying for the card.

Why was the credit card limit increase application rejected immediately? These five reasons you have to know!

After applying for a credit card, the limit is usually relatively low. If you want a high limit, in addition to having excellent qualifications, you need to apply for the card and take good care of it, and then apply for a limit increase. However, credit card limit increase is not something you can raise just when you want. Most applications for limit increase will be rejected. So why are credit card limit increase applications always rejected immediately? Here are five reasons summarized for you.

Reason 1: The time has not come yet

If you want to raise the limit, there are requirements for the time when you use the card. The time for raising the limit when using the card is different in each bank. Generally, you need to use the card 6 The first term is month, and it can also be three months or one year. There are also banks like Bank of Communications and China Construction Bank that don’t raise quotas for ten thousand years. Even if you call the customer service number, they will be rejected immediately.

Reason 2: Insufficient qualifications

Each bank has its own routine for increasing the credit card limit. Only by following the routine can it be possible to increase the limit. For example, China Merchants Bank prefers small and multiple purchases, while Agricultural Bank of China prefers 20 purchases per month. If the standard of this routine is not met, it is inevitable that the quota increase application will be rejected instantly.

Reason three: Wrong card swiping posture

Now the rates of credit card swiping POS machines have been unified, and they are only public welfare POS and lower than this ratio. If you often If you use public welfare POS machines, the bank will not make money, or if you only use one POS machine, there will be abnormal card payment, so don't think about raising the limit.

Reason 4: Risk control

If there are risky behaviors on the credit card, such as sudden large-value transactions, overseas transactions, and suspicious cash-out behaviors, there are It may be listed as a risk control inspection period by the bank. During this period, you cannot raise your limit, and it is possible to be severely blocked.

Reason 5: The repayment is not timely

If you have been overdue while using the card, or you have overdue records on your credit report during this period, this The most terrible thing is that not only will the quota increase be rejected immediately, but it will be good if it is not reduced.

Here we introduce five reasons why credit card limit increases are rejected instantly. I hope it will be helpful to you. Everyone should try to maintain good card usage and repayment habits in their daily card use, so that the limit increase can be successful.

Why is it rejected as soon as I apply for a credit card?

There are usually three reasons why my application for a credit card is rejected instantly:

1. The information verification fails. Under normal circumstances, when applying for a bank credit card, you will receive verification information. The bank staff will ask the applicant where he lives, whether he has a house, whether he is currently working or a student, etc. At this time, the applicant must answer according to the information filled in during the application. If the applicant hesitates to answer any question, or does not match the information filled in during the application, then the credit card application will basically not be approved.

2. Social security payment failed. If the applicant has never paid employee social security, the chance of applying for a credit card will be greatly reduced, because the bank will think that the applicant does not have a formal job and a stable source of income, and will not approve the application.

3. Credit reporting issues. There are two situations for credit reporting problems: (1) If the applicant’s credit reporting has been read by the borrowing platform many times in a short period of time, or the applicant has applied for many online loans or credit cards in a short period of time, this Sometimes the bank will think that there is a problem with the applicant's capital chain, and the total amount applied by the applicant has exceeded the debt capacity, so the bank will not approve it in order to reduce risks. (2) If the applicant has a bad credit record, or the applicant has committed malicious arbitrage in other banks, the bank will not approve the applicant's credit card application.

1. In most cases, citizens who have full capacity for civil conduct (citizens over 18 years old in mainland China) and have certain direct financial resources can apply for a credit card from the card issuing bank. Sometimes, legal persons can also be applicants. Applicants for credit cards can be divided into units and individuals. Applicants should be institutions, enterprises and business units, foreign-funded enterprises and individual industrial and commercial households with independent legal person status in my country. Each unit applying for a credit card can receive a main card and multiple (5-10) supplementary cards as needed. To apply for a credit card, an individual must have a fixed occupation and a stable source of income, and provide a guarantee to the bank. The forms of guarantee include personal guarantee, unit guarantee and personal capital guarantee.

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Why is the online credit card application rejected within seconds

The reasons why the online credit card application is rejected within seconds are:

1. The conditions are not met

There are certain requirements for credit card application, such as age requirements, income requirements, etc. If the applicant does not meet the conditions for applying for a credit card, then apply for a credit card will be rejected.

2. Poor credit report

The credit card itself is based on the credit report as the basis for review. If the applicant's credit report has bad records such as overdue credit, and the credit report has not been restored to good, Then applying for a credit card will only be rejected.

Under normal circumstances, the main reasons for being rejected immediately when applying for a credit card are the above reasons.

In addition, if the applicant's personal debt is too high, it will also affect the credit card application, but if the debt is not particularly high, it will not cause the credit card application to be rejected instantly.

How to apply for an online credit card:

1. Users can follow the official account of CITIC Bank Credit Card in their Alipay wallet and apply online instantly through the "Quick Card Application" entrance of the official account. , get this online credit card. After the application is approved, the system will send the user a corresponding credit card. After users bind this to their Alipay account and activate quick payment, they can make various purchases such as online shopping and mobile payments. After users apply for an online credit card online, they can also apply for the corresponding physical credit card online.

2. CITIC Bank will decide whether to approve this physical card application based on the user's personal credit information. If the user meets the conditions for applying for a physical card, CITIC will deliver the physical credit card to the user by express delivery. This physical credit card can be used for purchases in offline stores just like other physical credit cards. The interest-free period for Alipay online credit cards is 50 days, and the credit limit starts at 200 yuan. In the CITIC Bank credit card official account in the Alipay wallet, users can also check the consumption limit and points of the online credit card at any time, and make online repayments.

3. Alipay’s first trial credit card issuance scale is 1 million. In terms of credit limit, Alipay online credit card credit limit starts at 200 yuan, and the upper limit is determined based on personal network credit, generally up to 5,000. If the consumption record and credit record are particularly good, the credit limit can be gradually increased. Alipay said that the specific credit limit approval is determined based on online consumption records, such as paying credit cards through Alipay. The more frequently you use Alipay, the more credit data you have, making it easier to obtain a credit limit.

What are the reasons why a credit card application is rejected?

The reasons why a credit card application is rejected are as follows:

1. It may be that you have not reached the required age for credit card application. The prescribed application age is 18-60 years old.

2. The personal information in the submitted materials may be incorrect or inconsistent with the facts.

3. It may be that your income, occupation, capital and property are not sufficient. If your job is unstable and your income is low, the bank will think that you do not have enough repayment ability and will reject your application.

4. It may be that your personal credit is bad and you have a bad credit record such as overdue credit, so the bank will also reject your application.