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How to solve the problem of insufficient comprehensive credit score of credit card
The lack of comprehensive credit card scores can be solved by improving credit reporting and reducing debt.

Reasons for rejection of card application and countermeasures:

There are always various reasons for rejection of card application, such as poor credit reporting and insufficient comprehensive evaluation.

Some small partners are always complaining about the bank's second refusal and the difficulty in applying for a card. Sister Ka, an old driver, shared the experience of applying for a card for you in a few days:

The success rate of applying for a credit card through formal channels of the bank is the highest, including the third-party cooperation channels of the bank (Zhimobao, Weimouxin, R36, etc.), the bank official website and the bank counter of the bank App.

As we all know, online application has become the mainstream. Banks not only vigorously promote credit cards on their own official website and App, but also closely cooperate with third parties (Alipay, QQ, Rong36, etc.) to issue credit cards, and more than 6% of users have successfully issued their cards through online application.

As a supplementary channel for online application, offline card application, and the bank counter is the most important channel. It is worth noting that in the offline application channels, 17% of users sell cards by credit card salesmen, and 5% of users collectively handle credit cards by companies.

as I said at the beginning, many small partners will be rejected by seconds. Compared with others, they just didn't pay attention to the following three items before applying for the card.

first, good credit;

second, the "family property" is rich;

the third is the correct choice.

1. Good credit

To apply for a credit card bank, you must first check your personal credit record, and personal credit mainly depends on your personal credit card use/repayment information, loan information, as well as personal telecommunications, water, electricity, gas and other payment information. A good historical credit record can ensure that you get the card and get a satisfactory amount. Life is now linked with credit everywhere, so don't you pay attention to it?

2. The "rich family property"

does not mean that you have to be rich to apply for a credit card, but that if the applicant has a stable job, social security, a fixed income source or fixed assets such as a house and a car, it will be relatively less difficult to apply for a card.

Because credit cards are actually small loans, that is, the funds that banks lend to cardholders for consumption according to your qualifications. If you want to apply successfully, how can you prove your repayment ability? The applicant's financial strength is the best proof. It's a cliche, everyone actually knows it, but it's a little difficult to change.

3. It's very important to choose the right card

Choose the right bank according to your own situation and apply for your own credit card.

For example, in terms of choosing a bank, each bank has different characteristics, and Shenka can choose a bank that suits it according to its actual needs.

For example, it is easy for Bank of Communications to apply for a card, and it likes to send credit cards, the most popular Fridays, etc., which is suitable for you who like benefits;

The cash installment of CITIC Bank is relatively high, which is suitable for you who spend a lot;

guangfa is suitable for you who like staging.

As far as choosing credit cards is concerned, certain cards have advantages for certain groups of people to apply for. For example, the Bank of Communications Y-POWER card is only applied for young people under the age of 3. These are all things that should be paid attention to. Know yourself and know yourself. Only when you apply for a card can you approve it in seconds, and you can still have a good quota.