Why do I always fail to apply for a credit card? A friend is worried about why other people's credit card applications are quickly approved, while his own applications are always rejected. The next editor analyzed the 5 reasons why credit card applications fail.

1. The application does not meet the conditions

Many credit cards have rigid requirements for applicants’ gender, age, income, etc. For example, the YOUNG card for recruitment is only available to those under 30 years old, and the GF Truth Card is for female friends. The bank The Platinum Card and Gold Card have certain income requirements for applicants, and there are also cards designed for college students.

Therefore, before applying for a certain credit card, if you do not know the specific requirements of this credit card , just does not meet the requirements of this credit card, and the application for the credit card will of course be rejected by the bank.

2. Bad credit record

The applicant’s personal credit record has a bearing on whether the credit card application can be successful. It has an important impact. For people with bad credit records, even if their salary is 100,000 or 200,000, the bank may not approve his credit card application. Because after you submit the credit card application, the bank will review your credit record in the past two years. .Therefore, it is necessary to repay on schedule within at least two years and have no bad credit record.

3. Incomplete application materials

Incomplete application materials are the reason why many cardholders fail to apply for credit cards. Because of the data The authenticity and completeness are the first factors that determine whether you can punch in. If you provide false information, and the bank discovers it through investigation, it will reject the application without hesitation and don’t take the risk. Of course, if the personal information filled in is incomplete and lacks necessary The bank will not approve your application if you don’t have the information.

4. Encounter a black intermediary structure

There are many black brokers on the Internet today, who use various means to make cardholders specify Make cards on their own route and defraud money and personal information. These black brokers do not have the conditions to make cards. Of course, your credit card application will fail.

Therefore, card friends should be wary of these black institutions online. Don’t be fooled. You must apply for a credit card through formal channels. For example, go to a bank office and apply for a credit card on the bank’s WeChat public number and the bank’s homepage.

5. Missed a recruitment call

If you miss the bank’s application call, the bank cannot verify your information immediately and your credit card application will fail. Therefore, when applying for a credit card, please pay attention to the bank’s phone number and don’t miss it.

The bank accepts applicants After applying for a credit card, the authenticity and completeness of the information provided by the applicant will be investigated through a telephone or face-to-face investigation. After the investigation is completed, the bank's internal system will review whether the applicant meets the requirements for the card and whether the credit record is good, and finally pass the investigation and review to obtain a comprehensive evaluation. If the comprehensive score does not meet the requirements of the bank for issuing cards, your credit card application will also be rejected.