Reminder: If the card is rejected, it is best to reapply after three months. If the card application fails, do not resubmit it immediately.
1. It is most likely that the bank credit card application conditions have not been met.
Many users did not read the application conditions carefully when they applied for the card. Many credit cards have application conditions, such as student card, female card, youth card or age limit, which will directly lead to the rejection of card application.
The most basic conditions for applying for a credit card:
1), age 18 to 60 years old.
2) Proof of stable income.
3) No bad credit record.
The requirements of major banks for credit card processing are not necessarily, but generally speaking, the most important thing is the applicant's credit record and repayment ability, so the stronger the financial resources, the more stable the work is!
2. Apply for multiple credit cards from a bank at the same time.
If you already have a credit card from this bank, that's a good thing. You can even apply for a card by credit card, but you have never applied for a credit card, and applying for multiple credit cards at one time is under review. Banks will think you are lucky, so it is difficult to approve.
I didn't verify my identity.
Generally speaking, the petition department of the bank will check the authenticity of the applicant's information by telephone and other means before approving the card. If the bank calls your office phone or mobile phone and you don't answer it, you can't verify the applicant's information and will usually be rejected!
4. Do not meet the conditions for bank card approval.
Before you apply for a credit card, you'd better ask, what are the processing conditions? (Every bank will be different, and different cards of the same bank will have different requirements. )
5. Less application materials
Applicants must pay attention to the authenticity and integrity of the application materials, which is an important basis for banks to approve cards. This information is especially important when applying for a credit card for the first time.
For example, if you have a house and a car, you can submit the approval documents such as the purchase contract and vehicle driving license. If there are only simple materials such as a copy of the ID card, the probability of passing is very small.
6. Have 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.
7. The bank score is not up to standard
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.
8. Encounter a black intermediary
Try to choose a formal banking institution when applying. Many intermediaries and some roadside card offices collect money to defraud money and user information, and cannot approve cards.
1. Blindly filling in residence information and company information will make the credit information department think that your personal information is inaccurate and deceptive. Score 10, direct deduction. There is no credit directly, and I don't look at your other information. This is the most important thing in the whole process. Friends should remember the authenticity of the information when applying.
2. When applying for a bank credit card for the first time, the scores of online application are counter 1 and street stall 1, which are common to all credit reporting departments.
3. The scores of car loan and mortgage are 8 points. The key is to look at your net worth.
4. My car has no loan 1 to 5 points, and the real estate license has 6 points. It is the same as the net value of the property in point 3, but the score fluctuates stably because it is fixed property.
5. Social security for three months 1 is 3 points, while banking and fund stocks are at least 3 points to 10 points. The line is quite high. Because personal funds are subsidized by the state in advance, you know the national policy.
6. The work certificate of the official seal of the unit shows that the initial score of ordinary units is 4, and the initial score of advanced units such as the world's top 500 companies is 5 to 8. It can be seen that state-owned enterprises are very heavy.
7, individual owners, business license within six months without tax and registered capital of 4 points, stamped with the income certificate plus 2 points,
8. Because there are few online application materials, most of the information collected by the bank credit information department in the People's Bank of China and the information of the public security organs are overdue materials. Because things are dead and people are alive, it is difficult to guarantee that you will go to other places in the city today, so Xiaobai will try to choose the counter to handle the card-free, so that the information is complete and it is conducive to the approval of the card.