What are the reasons for the rejection of credit card application and the failure of credit card application?

The reasons why users are refused to apply for credit cards are: frequently applying for various credit businesses in a short period of time; Personal credit reporting is bad, and there are overdue records in the credit reporting; Personal debt ratio is too high and repayment ability is insufficient; No stable job and income; Does not meet the age requirements for applying for a credit card; The user has been blacklisted by the bank.

Under the above circumstances, the user's application for a credit card will be rejected. Users must solve the problem first and then apply for a credit card. Repeated application will only lead to the waste of personal credit information.

What are the reasons for not applying for a credit card?

1, the age does not meet the requirements: generally speaking, if the user is 18 years old and above, then you can apply for a credit card. However, some banks or certain card types have strict requirements, and the requirements are between 22 and 23 years old.

2. Too many credit cards have been applied: because users apply for loans or credit cards with their current credit status, banks will have an upper limit on the estimated amount. Suppose you apply for more than one credit card in the bank, and the credit limit is close to the upper limit, so it is easy to be rejected if you apply again.

3. Personal repayment ability is average: credit card debts are paid every month, which naturally requires users to have a stable source of economic income. It is difficult for the "three noes" who have no job to apply for the exam.

4. Credit: If the user is seriously overdue or has high personal debt, it can be seen in the credit report that the bank will refuse on the grounds of risk.

The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!

Credit card applications of China Merchants Bank and Ping An Bank

Credit card applications of China Everbright Bank and China CITIC Bank

Credit card applications of Agricultural Bank and Minsheng Bank

What are the reasons for the rejection of credit card applications?

Credit card applications were rejected for the following reasons:

1. Maybe you have not reached the required age for credit card application, and the required age for credit card application is 18-60 years old.

2. It may be that the personal information in the submitted materials is wrong or inconsistent with the facts.

Maybe your income, occupation, capital and property are not enough. If your job is unstable and your income is low, the bank will think that you have insufficient repayment ability and will reject your application.

4. It may be that your personal credit is bad and you have a bad credit record such as overdue, then the bank will also reject your application.

For more information about the reasons for the rejection of credit card applications, please visit: See More.

Why are credit card applications always rejected?

Credit card applications may be rejected for the following reasons:

1. Incomplete application materials: some key information is missing in the application materials of credit cards, such as no detailed fixed residential address.

2. Credit stain: If the applicant has a bad credit record, the bank will refuse to approve the credit card.

3. Malicious cash withdrawal: the applicant has made malicious cash withdrawal in other banks, so the bank refused to apply for a credit card.

4. Falsification of work information: the company information and work information on the application materials must be consistent with the actual situation, otherwise it will not be accepted.

5. Bank limits the amount of approval: The number of credit cards approved by banks every day is limited, and those exceeding the limit will be rejected.

This is the end of the introduction about why my credit card application was rejected and why I received a message when my credit card application was rejected. I wonder if you found the information you need from it?