Reasons for instant rejection of Zheshang Credit Card:

1. The personal/household debt ratio is too high, and there is a risk of not being able to repay it! You know, no matter how you calculate, the bank is always smarter than you. If an individual or family's debt ratio is too high, the chance of being unable to repay is higher, and the chance that the bank will cancel the card is almost 0. Calculating the debt ratio is quite complicated. Banks have a complex calculation system. To put it simply, your People's Bank of China credit record has debt statistics, including credit limit, loan limit, etc. For example: you have to pay off your mortgage every month. 4,000 yuan, and the monthly credit card repayment is 3,000 yuan. If your basic monthly salary is 10,000 yuan, then your debt ratio is 70%. If the debt ratio is 70%, the bank will think that your debt ratio is too high, so be careful when purchasing the card.

2. Unreasonable credit card turnover and bad spending habits! Credit card balance is quite interesting and can reflect a lot of real things. It most directly reflects your personal consumption habits, whether good or bad. On a deeper level, it can indirectly reflect your spending power. , so timely repayment is important.

3. Personal credit investigation: I am checked too frequently by the bank, so I must remember this clearly. If your personal credit report is queried too much, the chances of being rejected by the bank will increase exponentially. Why, because many banks are like this. Once you apply for a credit card, the card issuer will check your personal credit report record once, which is basically a month. Once uploaded, the inquiry record will be displayed in the institutional inquiry column in the applicant's personal credit record.