So, why is the loan application for Baihu rejected? The main reason why Baihu's loan application was rejected is that they have never applied for a credit card and have never applied for a loan. Therefore, in terms of credit information, they are not qualified because the bank cannot find it on the central bank's credit information system. Their credit report is explained in two points here: 1. The personal credit report on the central bank’s credit reporting system is a very important basis for banks to examine the applicant’s integrity. Therefore, when approving a loan, the bank and some other lending institutions will check the applicant's personal credit report. 2. Because Baihu have not handled any bank-related business, their credit records are blank. This makes it impossible for banks or lending institutions to know the applicant’s credit status, so they generally will not easily apply for credit. Grant them loans.
The easiest way to get rid of the white household status is to apply for a credit card. After applying for the credit card, hold the card for consumption for 3 to 6 months, and then your credit record will be included in the credit information system. , if you repay on time after consumption and establish good personal credit, it will be of great benefit to apply for a loan. Of course, apart from helping to apply for a loan, applying for a credit card also has many benefits. For example, you can participate in major bank credit card promotions, which can save you a small amount. Of course, the most important thing about applying for a credit card is that you can Use it for emergencies when you have no money. Credit cards are so good, but for white accounts, you may not be able to get approved once you apply. For those who are currently rejected, please try to apply from several banks. As long as you have stable income and property certificates, try several more banks. It will definitely be successful this time.