What are the reasons why you can't apply for a credit card?

There are many reasons why you can't apply for a credit card. Examples are as follows:

1. Incomplete materials and incorrect information.

2. The applicant can't be contacted for verification information, and the company can't find anyone.

3. Being blacklisted means there is something wrong with the credit.

Take ICBC as an example to handle the credit card handling fee. The steps are as follows:

In addition to the ID card and work permit, ICBC counter needs other financial or property certificates, such as salary income certificate, real estate license, etc. The relevant materials are as follows:

(1) Copy of ID card. Applicants for both primary and secondary cards must provide. Identity documents refer to one of resident identity cards, military officer's cards, Hong Kong and Macao residents' passes to and from the Mainland, Taiwan Province compatriots' passes to and from the Mainland and foreign passports.

(2) work certificate. Refers to the copy of work permit, the original work certificate issued by the work unit, the copy of professional qualification certificate and one of the copies of professional titles.

(3) A copy of the certificate of permanent residence. Such as house ownership certificate, public house lease agreement or public house purchase agreement. Applicants who work in companies (enterprises) are generally required to provide proof documents of their own property (copies of their own real estate license, public housing lease agreement or public housing purchase agreement, housing loan contract and other information).

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What is the reason why you can't apply for a credit card

What is the reason why your credit card application is rejected?

The reason why users are refused to apply for various credit services frequently in a short time; Personal credit reporting is bad, and there are overdue records in the credit reporting; Personal debt ratio is too high and repayment ability is insufficient; No stable job and income; Do not meet the age conditions for applying for a credit card; The user has been blacklisted by the bank.

in the above situation, the user's application for a credit card will be rejected, and the user must solve the problem first, and then apply for a credit card. Repeated application will only lead to the waste of personal credit information.

what are the reasons for not applying for a credit card?

1. Age does not meet the requirements: Generally speaking, if the user is 18 years old or above, he can apply for a credit card. However, some banks or some card types have strict requirements, and the requirements are between 22 and 23 years old.

2. Too many credit cards have been applied: because users apply for loans or credit cards with their current credit standing, the bank will have an upper limit on the estimated amount. Assuming that multiple credit cards have been applied for in the bank and the credit line is close to the upper limit, it is easy to be rejected if you apply again.

3. Personal repayment ability is average: credit card debts are repaid every month, so it is natural to require users to have a stable source of economic income. It's very difficult to apply for the "three noes" who have no job.

4. Credit information: If the user has been seriously overdue or has a high personal debt, it can be seen in the credit information report, and the bank will refuse it for risk reasons.

here are the credit card channels for Ping An Bank, China Merchants Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for them yourself if necessary!

Credit card applications from China Merchants Bank and Ping An Bank

Credit card applications from China Everbright Bank and China CITIC Bank

Credit card applications from Agricultural Bank and Minsheng Bank

Why can't I apply for a credit card?

Because handling credit cards may have the following disadvantages:

1. Cardholders develop bad consumption habits.

2. Some cardholders were fine when they first started to credit their credit cards. However, because the credit cards cost a limited amount, the cardholders didn't feel that they were paying back the money when they spent them, so that users spent more and more money and swiped more cards. It was not until the repayment date that they realized that they had overspent. If credit card users stayed in this consumption mode for a long time, they would have greater repayment pressure and might become card slaves.

2. Credit card users usually don't pay attention to the safety of using their cards, resulting in economic losses

There are often news about credit cards being stolen and swiped online. If cardholders don't take good care of their credit cards, security codes and passwords, there may be cases where their cards are stolen and swiped, which will cause economic losses to cardholders.

3. Personal credit is affected due to overdue credit cards

After using credit cards, users should repay their debts within the stipulated repayment period. If the overdue behavior happens carelessly, the bank will upload the overdue records of users to the central bank's credit information system, which will leave a stain on the cardholder's personal credit. If the personal credit information is poor, it may affect the later purchase of a house and a car.

extended information

1. How to use the credit card correctly?

The correct usage of a credit card:

1. Reduce the amount appropriately. If the card issuance amount is not directly proportional to his salary income, it is suggested that the cardholder should reduce the amount. The amount of monthly consumption should not exceed one-third of income. The reason for the reduction is that most graduates have no idea of rational consumption for the time being, and have tasted the sweetness of overdraft consumption in advance, which is easy to become a slave.

2. Establish a monthly credit card spending budget. You can set a monthly budget for spending by credit card to prevent overspending.

for office workers who have worked for less than 5 years, 3 credit cards are the best.

office workers who have worked for less than five years have a stable income and a stable job, and they also have some savings in their hands, so they begin to store the funds for purchasing real estate and vehicles in the future. You can also buy some luxury goods appropriately. At this time, it is best to hold three credit cards.

The correct usage of three credit cards:

1. Set up a credit card consumption budget. This minute is for office workers who plan to buy real estate and vehicles in the future. Setting up a credit card consumption budget can help cardholders spend more rationally.

2. Set repayment reminder. With three credit cards in hand, it is inevitable to forget the repayment time. It is suggested that each card should set the repayment time, and the time should be set 3 days before the final repayment date.

For entrepreneurs and executives with high incomes and high positions, please feel free to brush them.

why can't you handle the credit card introduction? Let's stop here.