There are many reasons for the inconsistency of standards, such as the nature of banks. China Bank, Agricultural Bank, Industrial and Commercial Bank of China and China Construction Bank, the four so-called state-owned banks, are quite different from other joint-stock commercial banks.
The biggest difference between these four banks and other banks' credit cards is that their branches have the right to directly approve cards. In other banks, each credit card must be sent to the credit card center for approval.
For example, Minsheng's credit card center is in Beijing, so even if you apply in Hainan, you have to wait for the information to arrive in Beijing before you can finally approve it. If it is ICBC, Hainan can approve the card locally.
On the other hand, each bank has different business philosophy, some pay more attention to financial resources, some pay more attention to the nature of work, and some pay more attention to industry categories. For example, if you work in a state-owned enterprise, the four major state-owned banks and banks such as Minsheng will be regarded as quality customers. However, banks such as China Merchants Bank should pay attention to the income and financial certificates submitted.
Whether the bank approves or refuses to apply for a card mainly depends on the comprehensive credit review of the bank. This kind of credit review is a secret of every bank and is usually not made public. The so-called comprehensive credit review is actually to quantify the information you submitted with a specially developed computer program and get a score. Once you pass, you will be approved, if you fail, you will be rejected. Except for some special channel applications. Generally speaking, all applications are graded.
Moreover, the scoring system of each bank is different. The system used by Bank of Communications is said to have been imported from foreign cooperative banks. For example. In terms of academic qualifications, a bank can give 3 points in high school, but some banks only give 2 points. Age, marital status and so on are graded.
Of course. There are many factors to approve the card but not to approve it, but the above is the important part, usually the above reasons.