Students have no source of income, use cards excessively, and have bad debts. As a result, banks are afraid to approve cards.
There is only one suggestion for this group of people: apply for a parent’s supplementary card or apply for an exclusive card for college students in various industries.
Extended reading~Reasons for failed credit card applications
1. Working experience is less than half a year
For banks, working or living time requires more than half a year If you provide social security or provident fund, you can confirm this.
February monthly income is low
Banks issue credit cards for the purpose of making a profit. If you consume but do not have the ability to repay, it will cause losses to the bank. The bank will never Would like to see. Banks attach great importance to stable income materials. If the salary is paid in cash, the transaction records of the bank card for more than six months can be used as proof. However, each bank's policy is different, and China Merchants Bank must check the salary deposit.
3 Bad credit record
Needless to say, if you have been overdue or have problems with your credit report before, the card application rate will be greatly reduced
The application failed The final processing method
1 Research the reasons for rejection
Generally, the reasons for rejection are that and insufficient ratings, so we will analyze our information from various angles , find out the most likely reasons for optimization
2 Choose the appropriate card type according to your own situation
If it is a pure white account, it is recommended to choose a low-level card recommended by the bank In the beginning, it will be much better to apply for the following cards in the future. It is best to choose a co-branded card (a card that the bank cooperates with various merchants) recommended by the official website and with more advertisements.
3 Please provide as complete information as possible
Fill in all the information you can, especially a landline phone number, which can prove that you are actually working in the company.
4 Pay attention to answering the phone
This one is the key. Not everyone will receive the phone call, but as long as it is the phone number of the bank you applied for, you should treat it well
5 Choose another bank
If a bank is rejected, it is best not to choose this bank again within half a year. You can consider other banks. It’s a bit difficult to get approval from the four major banks, so I choose a commercial bank. China Merchants Bank is currently the bank with the largest issuance of credit cards.
Summary: In fact, the rejection of card application is basically caused by problems with personal information. Many people fill in the information at will. If you want to apply, you must choose to take it seriously.