Recently, cardholders often leave messages to Jinbao, saying that their card application was rejected immediately. Jinbao also feels very sorry for these card friends. However, banks have their own standards. If you are rejected immediately, it definitely means that you are not qualified enough!

Is there nothing you can do if you are rejected instantly? Definitely not. In the world of credit cards, everything requires skill. Jinbao hereby provides the reasons for rejection and reiterates the credit card secrets, hoping to be helpful to friends who have been rejected by the bank instantly. Please keep it~/6a600c338744ebf81a1811f6d2f9d72a6159a789?x-bce-process=image/resize,m_lfit,w_450,h_600,limit_1/quality ,q_85

First, confirm what caused the instant rejection!

There are several situations that will cause the card application to be rejected immediately. First, the credit report is not good, and it may be a shady account; second, the debt is too high; third, it is inquired too frequently; fourth, there has been tx behavior in the past.

The credit report is not good. Credit report has always been the main reason for rejection of credit card application. A little bad credit record is not bad. If it is overdue for a long time, it is a black account, which is a big trouble.

The debt is too high. The reason is very simple. If you haven’t paid back the money you owed before, no one will be willing to lend you money again. Banks are not stupid~

Your credit report is checked too frequently. Banks are always checking your credit report. Either you apply for a credit card yourself or get a loan. Frequent application for credit cards and loans is also very problematic.

tx is too suspicious. Banks will never give it to anyone suspected of tx. /d62a6059252dd42a2f607462083b5bb5c8eab889?x-bce-process=image/resize,m_lfit,w_450,h_600,limit_1/quality,q_85

Generally, after you are rejected instantly, you need to check which of the above reasons are the cause. There are many The causes are all caused by the same reason. It is normal to not find the main reason. Prescribe the right medicine according to the cause!

1. Overdue

Have you been seriously overdue within two months? The instant rejection caused by this means that your overdue is not serious. You can also check this reason yourself. Come out, it is recommended to use that card well and pay it back five or six days in advance after consumption, so that the bank will have a sense of security, which will last for about 3 months.

2. Those with too high debts

If you have too many loans and the total credit limit of your credit card is very high, the bank will doubt your repayment ability. If you can adjust your funds, it is recommended to use the bank card If you repay the money in advance before applying for a credit card, the debt will be displayed less.

3. Your credit is checked too frequently

This is also a flaw...Those who were rejected in seconds and then applied again and rejected in seconds, you can be perfect if you can check your credit. Credit report, a series of checked records. For such a situation, it is better to take a breath for your credit report and wait for a while...the longer the better, if you really can't stand it any longer, just apply again. If you apply for more than 10 cards at once, you must be careful when applying for a card if you are rejected. Generally, people refuse to apply for a card after reading the credit report and feeling that there are too many applications.

4. The suspicion of tx is too high

The risk of tx has always been very high. It is best to provide evidence to clear your suspicion and make it clear to the bank staff. If it really doesn't work, if you are anxious to apply for a card after being rejected for the first time, you can try to apply at the bank's counter. Apply in person with the bank and then go through the bank system. The system will still be relaxed.

When you go there, if you have a real estate license, car, etc., remember to bring the certificate. If the counter is still rejected, then take a break. You need the salesperson to help you beautify your information or treat your card well and spend more.