Credit Card Rejection

You can apply at other banks. Failure to apply for a credit card just does not meet the conditions of one bank and will not affect the credit card center of other banks in determining your credit. It's just best to find out the reason for the failure, whether the income does not meet the requirements of the applicant bank, the information is incomplete, or the credit record is bad. Banks generally do not approve cards in these industries:

1. Entertainment industry: KTV, video game arcade, Internet cafe, bar, beauty salon, dance hall, nightclub, etc.;

2. High risk Industry: General practitioners in high-risk industries (such as coal miners, truck drivers, taxi drivers, security, direct sales, pyramid schemes, etc.);

3. Freelancing: Freelancers with high mobility (such as undocumented / Mobile vendors, non-fixed income salesmen, agents, small advertising personnel, self-employed, part-time McDonald's, etc.);

4. Seamen, sailors, etc. who do not work locally;

5. Government agencies: mainly refers to the military, public security and judicial organs;

6. Bank blacklist users: As long as you are on the bank's blacklist, you will no longer have the opportunity to apply for loans or credit cards.

If there is no problem at work, it depends on the credit report:

The credit report here mainly refers to overdue situations. If there are still overdue debts, applying for a credit card will not be successful.

1. If the credit report is overdue within 7 days, there will be basically no impact on the application;

2. If the credit report is overdue within 30 days, the success rate will be up to 80%, and the credit card approval limit will be reduced by about 10%;

3. If the credit report is overdue within 60 days, the success rate is up to 60, and the credit limit is reduced by about 30;

4. If the credit report is overdue within 90 days, the success rate is up to 50, The credit card approval limit is lowered by about 50;

5. If the credit report is overdue for more than 90 days, the success rate depends on the character. The limit is at most half of the normal limit;

6. If the credit report is overdue for more than 6 months, then just say Byebye without negotiation;

7. Overdue payment of water, electricity, and mobile phone for more than 3 months will also affect the application, but it does not constitute a major issue. factor.

If the credit report is clean, then look at the integrity investigation:

1. Forged application materials: including forged ID cards, real estate certificates, income certificates, cars, etc., and all the supporting materials that need to be submitted.

2. Information fraud: incorrect company information, empty phone number, fake address, no such person, etc.

3. Telephone verification: As a very important means for banks to verify information, be sure to keep the phone open. In addition, be sure to fill in the true information truthfully. When doing due diligence, banks will ask for a lot of non-application form information. , please don’t underestimate the bank’s IQ;

4. Document issues: expired ID card, income certificate, no official seal;

5. Black intermediaries import documents and forge information.

Other factors for rejection:

1. Age incompatibility: the minimum application age stipulated by the bank is 18 years old, and the maximum application age is 60 years old. If it exceeds the range, it will definitely be rejected;

2. Not in the original employer, have resigned, and applied for a credit card;

3. The applicant’s employer/company found no such person;

4. Individual or small business owner, The registered capital is not enough to apply for the application;

5. The applicant applies repeatedly. Generally, bank regulations require that if the first application is rejected, the minimum interval for applying again to the same bank is more than 3 months;

6. Application The form is incomplete and information is missing;

7. The signature on the application form does not match the name on the ID card.

These are the main reasons for being rejected when applying for a credit card. Before applying, you can check to see if you have touched a certain red line. You can remedy it at any time before applying again