Solution:
1, to find out the reason first, you can call the customer service of the bank or ask the staff why they were rejected.
2. Improve your credit.
Reason:
1. The bank feels that your application qualification does not meet the requirements. The applicant is engaged in the restrictive promotion industry of credit card issuing banks; The applicant's age, working years, wage income or other economic sources do not meet the prescribed card issuing standards; The relationship between the sub-card applicant and the main card applicant does not meet the requirements; It is possible that the applicant's income, work and other comprehensive factors are unstable and risky.
2. Have a bad credit record. The applicant has a record of malicious overdraft or loan default in other banks; There is a record of unpaid water, electricity, gas or telephone charges; If you have a lawsuit or a bad record in the public security bureau, the card will not be approved.
This information is not true. If the applicant forges documents or the application form is untrue, the bank will not approve the card.
These people's credit card applications may be rejected;
1, college students
Students have no financial resources, and banks dare not approve cards because of the high risks. In addition, most college students have no financial awareness, spend too much on credit cards, and the overdue rate and bad debt rate remain high, which leads many banks to cancel their college student cards. On the other hand, the policy is getting stricter and stricter for students to apply for cards. Therefore, banks usually do not welcome students to apply for cards.
2, three no personnel
People who have no job, no deposit and no property certificate are referred to as "three noes" for short. How can banks trust to lend money to such people?
3. Retirees
Retirees are not easily approved for two reasons. First, they have reached the era of bank cards. Second, because of retirement, there are not many pensions, and spending by credit card, it is easy for banks to doubt their repayment ability.
4. No proof of stable income.
Also known as people who can't provide bank running water, there are many such people, such as full-time housewives, and some private employees whose wages have been found. Because it can't provide stable income, it is often rejected by banks.
5. Have a bad credit record.
I believe everyone has begun to understand how important personal credit is now. For credit cards, credit history is more important. Bank loans are very cautious. A man with a "stained" repayment record came to borrow money from you. I believe you have to shirk it.
Matters needing attention
Retirees just need to get a supplementary card for their children, and they don't have to return it.
If you have a car, it is easier to apply for a car owner card; If you don't have a car, you can buy bank wealth management products, become a high-quality customer of the bank, and also help to get rid of the card.
Reasonable use of the card, timely repayment and good credit record are not only helpful for handling the card, but also beneficial to personal loans.
What if the credit card is invalid?
It is common to apply for a credit card now, but it is not that simple. There are many card friends who have no problem with credit information, but their applications are always rejected, saying that their comprehensive scores are not enough. What should I do if my credit card application is rejected? Today, Xiao Qin will share with you the skills of how to handle the card quickly after the credit card is rejected!
First, improve the internal rating of banks.
If you have never applied for a credit card or made any credit lending related products, this situation is called a white account. If pure white families want to apply for a credit card, they should first choose a bank with a lower credit card threshold, and then choose an easy card type. Finally, prepare the bank you want to apply for 7-45 days in advance, improve your comprehensive performance in the bank to make up for the lack of credit information, and then apply, the success rate is very high.
Second, reduce the debt ratio.
If your overall debt is too high, including too many credit card bills and outstanding loans, the bank will question your repayment ability, thus greatly increasing the probability of rejection. If the debt is high, please give priority to reducing the debt before handling the card. Debt optimization can be achieved through the method of returning small cards to large cards and the method of debt hedging, which can solve the problem of excessive credit reporting debt in a short time, but in the end, you should reduce your debt by increasing income and making money.
Third, create effective running water.
Some people are short of money and frequently apply for credit cards, regardless of their own credit information. Banks attach great importance to the number of inquiries, suggesting that it should not exceed three times a month and five times in three months. If you want to continue to apply for the same bank after your application is rejected, the best way to use the three-month period when you can't apply is to apply for a savings card to effectively settle the interest, improve your comprehensive score in the bank and change the bank's view of you. If you apply again after three months, the success rate will be greatly improved.
Four. Integrity of application materials
The applicant shall provide complete and effective application materials, and the income certificate, work certificate and other materials shall be stamped with the official seal. Don't falsify information. Fill in the application form reasonably according to "Applying for Credit Card Core 1 1" in the live class, you can get the highest score of the application materials in the most reasonable range and meet the requirements of card application.
Fifth, optimize the bad credit record.
At present, any platform and bank attaches great importance to the applicant's personal credit, so before applying for a credit card, first look at whether your credit information has bad discipline and is overdue. Too many query records? Both of them are the risk points of application rejection, so according to your actual situation, optimize your credit information before application to improve the success rate of application;
How to solve the problem of rejection of credit card application?
You should find out the reason why you were rejected and solve it.
The first reason is that the applicant's basic information, such as 18 years of age, occupation is a restricted area for bank credit cards, and the information is not detailed, and the payroll information is not detailed.
The second reason is the applicant's credit information, such as repeated application, unstable work, poor credit record and poor contact with the applicant.
The third category is other reasons, such as the contact person is unaware or unwilling to be a contact person, the applicant's health reasons, and the contact person's requirements are unqualified.
Under normal circumstances, after a credit card application is rejected, it will take 3 months to submit it next time, whether in the same bank or in other banks.
1. Study on the reasons for the rejection of credit card applications. After the credit card application is rejected, the bank will not tell the customer the reason for rejection, but will only say that the comprehensive score is insufficient and will not return the application materials to me. This is an industry norm. Applicants can analyze the reasons for rejection according to the information provided by Aibu Finance Network.
2. Apply for a suitable credit card according to your own conditions. Understand the application conditions of the credit card you choose. If you don't meet the requirements, you'd better apply for other types of credit cards or other banks.
3. Provide detailed credit card application materials. If the submitted documents are incomplete, the permanent address is not provided, the fixed home phone number of the person or his immediate family members or brothers and sisters is not provided, and the required time (supplement), income/work certificate and property certificate are not up to the requirements, the application may be rejected again, which requires the attention of card friends.
4. Pay attention to answering credit calls. Some banks will patiently make multiple credit reminders, and one or two missed calls can make up for it; Some banks may fail to answer the credit card application once, so pay attention to answering the credit call after submitting the application.
5. Choose another bank to apply for a credit card. If it weren't for the bad credit record, being rejected at Bank A wouldn't affect the application at Bank B. If the state-owned banks pay more attention to local accounts and have stable real estate. If you don't have such conditions, you can consider applying for a joint-stock bank credit card.
What to do with credit card refusal? The introduction of how to apply for credit card refusal ends here. I wonder if you found the information you need from it?