Because it has not yet reached the conditions for handling cards. The specific requirements are as follows:

Place of application:

1, local ICBC outlets;

2. Local ICBC Credit Card Center staff;

3. The application of ICBC in official website.

Application conditions:

1, at least 18 years old;

2. Have a stable repayment ability.

Submit proof:

1, ID card;

2. Work certificate or income certificate;

3. Work phone, home phone and my mobile phone;

4. Tax payment certificate or real estate vehicle under his own name;

5. Other bank credit cards, etc. The above information is not necessary. It is important to see the bank's requirements and proof of work or income.

In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submitted makes the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards.

credit card

CreditCard (English: credit card), also known as credit card. It is a non-cash transaction payment method and a simple credit service.

Reasons for failure in applying for ICBC credit card

Many people have real jobs, even jobs, but failed to apply for ICBC credit cards. Why? This article will introduce the reasons for the failure of applying for ICBC credit card.

Reasons for failure in applying for ICBC credit card

1. There is something wrong with personal credit information, that is, if you have overdue records within five years, you may also fail on the premise that you have paid off your debts.

2. Other reasons, that is, whether you are married, your age, your housing situation and whether you have a local household registration, may affect your application for a credit card.

Therefore, there are many reasons for the failure of applying for ICBC credit card. You just need to find out the reason for the failure when you apply, and then find a solution!

I applied for a credit card in ICBC, but the audit failed. Why?

ICBC failed to pass the credit card examination because the applicant had a bad credit record.

After receiving the credit card application, the bank will check the applicant's credit record through the credit information platform. If the credit record is good, the credit card is more likely to be approved. If my own conditions are good, it is also possible that the materials submitted when I applied for ICBC did not fully show my personal situation, which led to the failure of my application. In this case, the applicant can call the bank's credit card customer service to ask for re-examination, or provide more reference materials to the bank. The domestic personal credit information system is not perfect, and all banks pass internal evaluation when reviewing credit cards.

ICBC's credit cards are introduced as follows:

There will also be differences in the setting of standards. You can try another bank. If you want to reapply for this bank and don't want to attach any more information at present, you can reapply six months after the initial application.

Internal credit rating system of China Industrial and Commercial Bank. A score below 700 is concerned, that is, it has entered the gray list, and a score above 700 is normal. The main reason for deducting points is that cards have been handled frequently recently, and there are too many inquiries in these two monthly newspapers. Deduct a certain score for each inquiry, and apply for each bank card several times in a short time.

Compared with commercial banks, ICBC's credit card approval will be relatively strict, which is normal. In addition, everyone's credit line is fixed. If your credit card has run out of credit limit, you can't apply for a new credit card.

If it is not the above problem, you can see if your conditions are flawed. There are many factors that affect credit card review, including work, income, stability, personal credit and so on.

If my own conditions are good, it is also possible that the materials submitted when I applied for ICBC did not fully show my personal situation, which led to the failure of my application. In this case, the applicant can call the bank's credit card customer service to ask for re-examination, or provide more reference materials to the bank.

In addition, the domestic personal credit information system is not perfect, and all banks will pass the internal evaluation when reviewing credit cards, and the standard setting will be different. You can try another bank. If you want to reapply for this bank and don't want to attach any more information at present, you can reapply six months after your first application.

Different banks have different credit card application standards. You can try another bank.

If the credit card is not approved, you can call the bank first to ask why the credit card is not approved. Don't choose to apply again after the credit card expires without knowing the reason. But this did not change anything, but led to many rejections.

If you know your own situation, you can choose other banks to apply. If the work income is low, or personal credit is tainted, it will really affect the success or failure of applying for a credit card. But different banks have different requirements for applicants, high or low. You can try to apply at other banks.

What is the reason for the failure of ICBC credit card application?

The failure of ICBC's credit card application may be due to poor personal credit information. For example, there are records of malicious overdraft or loan default in personal credit information. At this time, the bank will not pass the examination and approval, and the bank does not want its credit card to be issued to untrustworthy users. If you owe money, you'd better return it in time.

The failure of ICBC's credit card application may also be due to the incomplete information submitted by users. After this happens, users can resubmit the information, which will greatly increase the chances of passing, but it is best to apply for a credit card at the same bank for more than one month.

The failure of ICBC's credit card application may be because the user has more debts and cannot prove that he has a good income. More liabilities include that the applicant already has multiple credit cards from other banks or has applied for loans, and the monthly repayment amount is relatively large. At this time, banks will refuse to issue cards in order to prevent risks.

In order to avoid the rejection of credit card application, users can consult the bank before applying to find out whether they meet the application conditions, and then submit the application materials. Users can choose different channels when applying for credit cards, such as bank counters and bank official website.

Why is ICBC credit card difficult? The introduction of ICBC credit card is over. I wonder if you have found the information you need?