Ping An Credit Card Comprehensive Scoring: refers to the bank's evaluation of your comprehensive credit by using a fixed scoring system according to the information provided by your lock. There are many factors that affect the comprehensive score, including marital status, technical title, work, economic ability, personal housing, credit record, education and so on. All the scores add up to get a "comprehensive score".

Banks use a scoring system to automatically score users. Only when the score specified by the bank is reached can the card be approved. If it is not reached, the card will be rejected. The user receives the notice that "the comprehensive score is insufficient and the card issuance is rejected", which refers to this score.

Extended data:

The general bank will decide whether to accept the credit card application according to your personal credit record in the past five years. In addition, there is a scoring system for allocating credit lines:

1. Maximum score of guarantee support 15.

(1) The highest score of housing right is 8.

No room, 0 points.

Rent a house for 2 points

Unit welfare housing distribution 4 points

All or buy 8 points

(2) With or without mortgage, the maximum score is 7 points.

Mortgage loan 7 points

No guarantee 0 point

2. The highest score of economic support is 34 points.

(1) The highest personal income is 26 points.

Monthly income of more than 6000 yuan 26 points

The monthly income is 3000~6000 yuan and 22 cents.

The monthly income is 2000~3000 yuan 18 points.

Monthly income1000 ~ 2,000 yuan 13.

The monthly income is 300~ 1000 yuan and 7 points.

Baidu Encyclopedia-Ping 'an Credit Card