First, friends who have applied for credit cards should know that personal credit and economic income sources are the two most important factors when banks approve credit cards. If the applicant's credit information is good and his work income is high, then the success rate of applying for a card and the credit card limit will be high. On the contrary, if the applicant has poor credit information and no repayment ability, the bank will often refuse to approve the card, but what many people don't know is that excessive personal debt is also one of the factors that affect the success of credit card approval.

Second, 1. Choose a good bank to apply for. People with excessive debt ratio who apply for state-owned bank credit cards will generally be rejected. Even if the card is issued, the amount will not be very high; I suggest that you can choose some banks with relatively low card threshold, such as Huaxia Bank, Shanghai Pudong Development Bank, China CITIC Bank and China Everbright Bank. It's best to pay attention to the bank before applying, and improve the comprehensive score before applying, so that the pass rate and quota will be much higher. Compared with state-owned banks, commercial banks are more tolerant of liabilities. As long as the liabilities do not exceed 70%, they can generally approve cards.

2. Provide financial proof. For banks, high debt ratio means that the applicant's repayment ability is low. In order to avoid non-repayment at maturity, ordinary banks will not issue cards to such people; If the applicant's debt ratio is too high, he can provide effective financial proof to the bank, such as real estate, vehicles, wages and other information, to prove his personal repayment ability, and also increase the success rate of issuing cards.

Third, reduce the debt ratio. It is suggested that the applicant pay off the debt as soon as possible according to his own ability, or he can reduce the debt ratio by installment of large bills (if he doesn't know how to do it, he can consult Bian Xiao); If the applicant already has a credit card, he can choose to cancel the extra credit card. Too many credit cards will lead to too much debt, and it will be more difficult to apply for a credit card again. It is best not to handle consumer loans and other businesses within six months before you apply for a card, and don't look for a loan company to apply for a small loan. Because even if you go to a loan company for a loan, the other party will inquire about your credit report, and this inquiry behavior will be displayed in your credit report, which can be seen by banks. Knowing that you have frequently applied for small loans recently, the bank will think that you are in urgent need of money and have a high risk of default, so it will refuse to issue cards.