If there is a stain on your personal credit record, it will affect your application for a credit card. What should you do next to make it easier to apply for a credit card?

If you meet the application conditions for China Merchants Bank credit card, you can try to apply. The most important requirements for applying for a China Merchants Bank credit card are that you are between 18 and 60 years old (25 to 60 years old for foreigners), have certain financial capabilities and have a good credit record. The result of credit card application shall be subject to actual review by our bank. The necessary application documents are copies of identity certificates and employment certification documents. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and determine your credit limit. If you are interested in China Merchants Bank credit card and have never held a credit card from our bank, you can apply in the following 4 ways: 1. Please log in to the credit card website and select "Apply for Credit Card" - "New Customer Application"; 2. Please bring your Please go to any CMB branch in person to apply for the original identity certificate, work certificate and financial certificate document; 3. You can also call the customer service hotline, select "3#" in the voice to apply for credit card consultation, and then select "1" to transfer The service specialist will register you and notify our local staff to contact you to confirm your application. 4. If you have applied for the professional version of our bank’s online banking, you can apply through the professional version. Please note that the credit card status will be subject to the final review result.

Can I still apply for a credit card if I have a bad credit record?

A good credit record is the stepping stone to apply for a credit card. So, for friends who have had a bad credit record, once you have Is it because of the stain on your credit that you have nothing to do with your credit card? In fact, this is not absolute and must be analyzed based on the actual situation.

Bad credit is generally caused by overdue loans, such as overdue loans, overdue credit cards, etc., and there are many such people. There are often some people who forget the repayment time or are too busy to pay their mortgage. , Credit card is overdue, this phenomenon can be said to happen from time to time.

When banks approve credit cards, they usually go to the central bank’s credit reporting system to check the applicant’s credit status. If they find that the applicant has a bad credit record, they may refuse to approve the card. After all, due to For risk control considerations, banks may feel that bad debts will occur if they approve cards to dishonest people.

However, this is not a one-and-done decision. Whether you can apply for a card if you have a bad credit record depends on the situation.

For example

Xiaoyu’s mortgage loan was overdue once, which resulted in bad credit. When she was short of funds, she wanted to apply for a credit card. She applied for several credit cards at the same time. The bank's credit cards were all rejected. Finally, she called the bank's customer service and learned that it would be difficult for her to apply for a credit card in this situation.

Analysis

In fact, judging from Xiaoyu’s situation, Xiaoyu once had an overdue mortgage, so she had a bad credit card. From the plot analysis, her overdue degree was not very serious. , generally you can still apply for a credit card from a commercial bank.

After all, for banks, if the applicant has been overdue once or twice, and the overdue situation is not serious, as long as the overall score in other aspects passes, the card will still be approved.

However, Xiaoyu’s application for a credit card was rejected. Another reason was that she applied for credit cards from multiple banks at the same time, so that the bank could see her application records from other banks in the credit reporting system, which made her suspicious. The real purpose of applying for the card, plus the fact that Xiaoyu has been overdue, will all affect the result of the card application.

How to apply for a credit card if your credit report is not good

I don’t know if any of you have been in this situation. Obviously, your conditions are very good. Logically speaking, it is no problem to apply for a credit card. Who knows the reality? It’s so cruel that the credit card application was rejected because the credit score was not up to standard.

So, how should I apply for a credit card if my credit report is not good? Here are some tips on how to deal with the three situations.

Situation 1. Credit novices

Credit novices refer to people who have no records on the credit reporting system. Such people have never applied for a credit card or loan. There will be credit stains, but because of the 0 record, the bank will be worried about approving your card.

After all, for banks, the credit record is blank and they cannot know your credit situation. In order to avoid risks, they will naturally not approve the card easily.

So, if you are new to credit and applying for a credit card for the first time, you must shop around, choose some banks with low application thresholds, and apply for some credit cards that are easy to apply for.

Scenario 2. Overdue repayment

Overdue repayment is the main reason for poor credit reporting. Cardholders with past overdue records who want to apply for a card are best to choose a commercial bank. Apply for a credit card, because generally speaking, the application threshold for commercial bank credit cards is relatively low.

If the applicant has good overall conditions, such as stable job (civil servant, public institution, etc.), high income, high property certificate (especially vehicle certificate), etc., even if he has been admitted once or twice It is possible to apply for a credit card if it is overdue.

What needs to be reminded is that when submitting card application materials, try to provide sufficient and detailed application information to increase the success rate of card application. If you want to know how to improve the success rate, you can refer to this article

Situation 3: Bad credit due to other people

If someone else steals your ID card information to apply for a credit card and fails to repay after overdrafting, your personal credit will be affected by the overdue payment. In this case, it is recommended to file an objection application with the bank, and the bank will usually give you a reply.

Reminder: It is generally difficult to get approved for a credit card if you have a bad credit report. Even if you get approved, it will be a credit card with a small limit or 0 limit overdraft, so everyone must develop good credit.

This is the end of the introduction on how to apply for a credit card if you have a stain on your credit report and whether you can apply for a credit card if your credit report is stained. Have you found the information you need?