Why did I receive an invitation to apply for a credit card from ICBC but was rejected for approval?

Hello, it is not always possible to apply for a credit card. Applying for qualifications does not mean that the audit is finally passed. The details still need to be reviewed and approved and your own situation. Sometimes the card will not be issued if the phone is not answered well. Why did I receive a SMS invitation from ICBC to apply for a credit card, but after I submitted the application, why was it rejected? I go to the counter to fill in the application form with my ID card and proof of salary income.

Log in to the ICBC website and apply by yourself.

Individuals who apply for a credit card must fill in the application form correctly and truthfully in accordance with the card-issuing bank's regulations, sign a written use contract with the card-issuing bank, and submit relevant certification files required by the card-issuing bank.

Expanded content:

If you have applied for a card, the easiest way is to ask the card handler when you go to the bank to pick up the card. They can do it. I’ll give you a detailed answer.

According to the savings card brand, there are Money Link Cards, Elite Account Cards, and ICBC Wealth Management Elite Account Cards; according to card functions, there are chip cards (including single chip cards and magnetic stripe chip composite cards) , magnetic stripe card.

According to the type of co-branding, there are Elite Club Merchant Cards, Military Security Cards, Wenong Money Link Cards, etc.; according to the issuing area, there are national savings cards and regional savings cards.

Process:

If you hold your own identity document or if you are an overseas person, please provide your passport (personal information page and visa validity page), or Mainland Travel Permit for Hong Kong and Macao residents, or return permit for Hong Kong and Macao compatriots Township ID card, or a photocopy of Taiwan resident worker’s travel permit to and from the mainland. Also have financial proof or proof of income to the bank.

Conditions for credit card application:

Adults over 18 years old.

You can provide your ID card.

Proof of financial status or income status can be provided. I received a text message invitation from ICBC to apply for a credit card. Is it useful?

No, the counter application process is:

1. Go to the bank branch where the credit card is processed, or go to the local bank credit card center staff. Fill out the credit card application form. The content of the application form generally includes the applicant's name, basic information, financial status or source of income, guarantor and his basic information, etc.;

2. Submit certain photocopies and certificates of documents to the card issuing bank ;

3. After filling in the application form truthfully, you must submit the relevant credit certificate together with the completed application form;

4. The application form is accompanied by a credit card. Contract, the applicant authorizes the card issuer or relevant departments to investigate its relevant information, and submits a declaration of the authenticity of the information, the card issuer's privacy policy, etc., and must have his or her signature;

5. Credit card application process Basically completed, waiting for the credit card to be issued. Everbright credit card approval has been rejected, why is there no SMS rejection notification?

Credit card approval is generally subject to SMS notification. There will be SMS notification later. You can also call customer service to inquire about the specific situation.

The reasons why the credit card application failed to pass the audit are:

The applicant’s repayment ability is insufficient. The applicant’s insufficient repayment ability involves two aspects. One is the applicant’s income level; If the applicant's income is too low and exceeds the bottom line of the credit card issuance limit, the bank will reject the application.

The other aspect is whether the applicant’s job is stable. Many applicants have a high income, but due to unstable sources of income, such as self-employed people, banks will worry about the applicant’s future repayment ability. , it may also be rejected.

The applicant’s credit record is not good. The applicant’s credit record will also be an important reason why the credit card is not approved, no matter how high the applicant’s income is, how great his position is, or even how much assets he has.

However, if the applicant's credit record is not good and there are many overdue records, then the bank will think that although the applicant has the ability to repay, there is a possibility of being a "laoguai", that is, unable to repay the loan. To the bank, such cardholders are no more valuable than those who have no ability to repay, so the credit card will not be approved.

Why did I not receive any approval and rejection information for the credit card I applied for?

(China Merchants Bank) Open the "Card Life" client and enter "Card Service - Application Progress" to check the progress of your credit card application.

If you have any questions, you can call the credit card customer service to verify again. Is there no chance if the ICBC credit card approval is rejected?

That’s right. There are many reasons for rejection, some of which are due to poor credit reporting. As long as the credit card is rejected, you can’t apply again for the time being. Why was my application for an ICBC credit card rejected?

Because the conditions for applying for the card were not met. The specific requirements are as follows: Application location:

1. Local ICBC branch;

2. Staff of local ICBC Credit Card Center;

3. Apply on ICBC official website.

Application conditions:

1. Be at least 18 years old;

2. Have stable repayment ability.

Submit proof:

1. ID card;

2. Proof of employment or income;

3. Company phone number, family name Telephone number and personal mobile phone;

4. Tax payment certificate or property and vehicle in your own name;

5. Other bank credit cards, etc. The above information is not necessarily required. It depends on the bank's requirements. Proof of employment or income is very important.

In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submit only needs to make the bank feel that you have sufficient repayment ability. The stronger the repayment ability, the easier it will be for the bank to issue the card.

Credit Card

Credit Card (English: Credit Card), also called credit card. It is a non-cash transaction payment method and a simple credit service. If the personal credit record has overdue records for 5 years, and the debt has been paid off, there is a possibility that the application for a credit card or loan will be rejected. Even if the card is approved, the limit will be lowered; in addition, the bank focuses on Referring to the personal credit status of the past 24 months, if there is any overdue credit, the rejection rate will directly increase to more than 80%

Influence of the work industry, most banks currently have restrictions on individuals, wholesale, and warehousing Practitioners in , logistics, direct selling, insurance, security, entertainment, real estate, small loans and other industries as well as unemployed people are more than 50% likely to be rejected when applying for a credit card. Because according to historical data, the bad debt rate of practitioners in these industries has always been high. Banks will include these industries as high-risk industries. The approval policy is very strict. They would rather kill a hundred by mistake than approve one by mistake.

Influence of other factors

Marriage or not, local household registration, age, housing status, whether there are real estate, cars and other assets, these factors will not affect the user's application for a credit card. Decisive impact, but its comprehensive score will affect the bank's final card approval limit. Why did Industrial Bank approve a card worth RMB 50,000 but ICBC rejected it? After consulting with ICBC’s internal approving staff, I learned that ICBC, as the bank with the largest number of card issuances in the country, had adjusted its approval policy for credit card applications in 2012 and no longer followed the Instead of staking the claim, we focus on tapping high-quality customers in the industry. Simply put, we refer to the applicant’s contribution to ICBC, including star rating, asset status, financial purchases, time deposits, etc. Why was the ICBC credit card application rejected?

Reasons for failed card application:

1. Inconsistent information: The application information is incomplete; the applicant does not provide basic files; the files provided by the applicant do not meet the acceptance standards .

2. Incompatible qualifications: The applicant is engaged in the restricted promotion industry of credit card issuance; the applicant’s age, working years, salary income or other financial resources do not meet the required card issuance standards; the applicant for the supplementary card and the principal card The applicant's relationship does not meet the requirements; the applicant's income, work and other comprehensive factors are unstable and the risk is high, etc.

3. Credit discrepancy: The applicant has a record of malicious overdrafts or loan arrears in other banks; the applicant has a record of unpaid water, electricity, gas or telephone bills; the applicant is in litigation disputes Or have a bad record in the Public Security Bureau, etc.

4. Risk groups: Applicants forge information or provide false information; abnormalities are found during the credit investigation process (the applicant has resigned or is not his or her signature); the applicant does not exist, or pretends to be someone else Apply; the applicant is a high-risk customer, etc.

5. Other reasons: repeated application submission, or the applicant himself cancels the application, etc.