In other words, the bank believes that the cardholder's current repayment ability is insufficient and it is very likely to be overdue.
The solution is also very simple, that is, the cardholder will not apply for other loans, but will repay them on schedule stably and permanently.
After continuous repayment for about 6 months, the banking system will think that the cardholder actually has certain repayment strength.
Then if the cardholder applies for a credit card in the future, the chances of passing it will greatly increase.
Here, I would like to remind you not to repay the loan with loans, and not to borrow from multiple sources.
Using the money from Platform A to pay off the debt of Platform B, on the surface, the borrower paid off the debt in time, but in fact, the borrower's risk index will continue to increase and the debt ratio will continue to increase.
In addition, if there are multiple credit cards in hand, the bank will judge that the cardholder has no repayment ability according to the cardholder's total credit line and salary income after comprehensive evaluation, thus refusing to approve new credit cards.
If the cardholder wants to prove his repayment ability to the bank, he can also find ways to submit some invisible assets to prove his economic strength.
Such as real estate, cars, watches and so on.
If you don't know your online loan application, you can try to get a big data report on "Beijian Quick Check", check your detailed loan records, and then confirm that you borrowed the money yourself. At this time, you should pay off all the money you owe, and then contact the customer service of the corresponding platform to let them handle it and see if the blacklist of online loans can be eliminated.
Extended data:
Why can't I get a credit card because I have too much debt?
The reason why debtors can't apply for credit cards is because once banks find that they have long-term loans and their personal debt ratio is high, they are likely to worry about their repayment ability, and even think that their economic life is unstable, and they will refuse to approve cards because they are worried about overdue risks.
Of course, there is no card, but most cards have a low approval amount.
Therefore, if you want to successfully approve the card and get a higher quota, you'd better not have too much debt in your name.
Those with high debts can pay off their debts before applying for a credit card, or pay off part of them first to reduce their personal debt ratio before applying for a credit card.
Of course, if you have a lot of assets, a certain amount of financial resources, a high level of economic income and a low credit card debt, then as long as you can provide enough income and financial information when you apply for a card to prove that you have enough repayment ability and maintain a good credit, it is not difficult to apply for a credit card, and you also have the opportunity to grant a high amount.