After the credit card application is rejected, don't rush to repeat the application continuously, and try not to apply for another bank immediately. This is because when you apply for a credit card from a bank, you agree that the bank can query your credit records in the credit information system of the People's Bank of China. The bank's behavior of querying credit records will leave traces in the credit information system, and banks can see each other how many times your credit information system has been queried recently and in which banks. Applying for a credit card many times in a short period of time will make the bank think that you are in a hurry to use money, with high credit risk, and it is easier to refuse to issue it.
I suggest that after your credit card application is rejected, you should first find out the reasons for rejection and strive to improve your qualifications, preferably after half a year. In addition, it is also very important to choose the right channel for handling cards. Generally speaking, online application is simpler and easier to get approval than offline application.
There are several common reasons for refusing to apply for a credit card:
1. The applicant does not meet the most basic conditions for handling the card, such as 18 years old, being too old, exceeding the bank limit, having no stable source of income, and being unable to prove his repayment ability.
2. Bad credit record is one of the main reasons why many applicants with high education and high income are rejected. If the applicant has a credit card overdue or repayment record in loans overdue, and the personal credit information system has a bad record, it will be very difficult to apply for a credit card again.
There is no credit card business in this area. In some third-and fourth-tier cities and township areas, banks have not carried out credit card business, so it is more difficult for users in these areas to apply for credit cards.
4. White credit households, people who apply for credit cards for the first time, have no credit records before, so it is difficult for banks to judge their credit quality and it is easy to apply for cards.