How long can a credit card application be rejected?

It usually takes three months or more for the same bank to apply for a credit card repeatedly. The credit card application is rejected. If the application conditions remain unchanged, if the general credit card application is rejected and applied again within 3 months, 9% will be rejected. Therefore, it is best to wait 6-12 months before applying.

Generally speaking, there are three reasons for the rejection of credit cards:

The first reason is the applicant's basic information, such as under 18 years old, occupation is a restricted area for bank credit cards, the information provided is not detailed, and the payroll information is not detailed.

the second reason is the applicant's credit information, such as repeated application, unstable job, bad credit record and poor contact with the applicant.

the third category is other reasons, such as the contact person's ignorance or unwillingness to be a contact person, the applicant's health reasons, and the contact person's unqualified requirements.

generally, you need ID card, work certificate (written certificate issued by the company, copy of work permit, etc. as much as possible) and income certificate (written certificate issued by the company or copy of salary slip) to apply for a credit card. In addition, if you want to increase the success rate of your application and get a higher credit limit, you can attach copies of all the proof materials that prove your financial resources, such as passbook, real estate license and so on. The next step is to wait for the bank's approval and mail your credit card.

Does the rejection of a credit card application affect individuals?

The failure of a credit card application will not affect personal credit. The rejection of a credit card fails to pass the audit, and the audit criteria of each bank are different. You can try other banks to handle it. If it weren't for the bad credit record, being rejected at Bank A wouldn't affect the application at Bank B. There are many reasons for the failure of credit card application. If it is rejected for many times, it is recommended to take my ID card to the credit information management office of the local people's bank to check my personal credit report.

Raiders to prevent the failure of credit card application:

First, understand the reasons for the failure of credit card application, break through them one by one, do a good job in the raiders of credit card application, and then pay attention to the actual implementation.

Apply for a credit card at the bank counter with your ID card and proof of income stamped by your company, and fill out a credit card application form, which must be complete and detailed.

the content of the application form must be true and accurate, especially the contact telephone number must be clear and accessible, the telephone numbers of other contacts and the human resources department of the unit must be accessible, and some specific personal information of you can be provided to the credit card center in time, which will be of great help to your credit card approval.

If the phone number does not exist or other numbers that are unfamiliar with you, the verification phone in the card center calls and says that you don't know you or that it is not good for you to apply for a card, then your credit card application may be rejected.

The unit income certificate is very important. Your income will determine the credit limit of your card. In order to increase the credit limit, you can also provide other property certificates to the bank, such as real estate license, share certificate, time deposit slip and driving license.

Online application is very laborious, so it is not recommended. You'd better go to the counter and handle it quickly.

Finally, you must fill in the mailing address of your application form accurately. After the credit card center approves the card, it will send it to you by express mail. This address is the address where you receive the card, otherwise you will not receive the card, and the previous efforts will be in vain, and the disguised credit card application will fail.

Baidu Encyclopedia-Credit Card

How long can it be reiterated after a credit card is rejected

Generally, it takes more than 3 months to apply for a credit card in the same bank after it is rejected. If you don't want to wait for 3 months, you can try another bank. When applying for another bank, you can first find out why the application for a credit card will be rejected, and what are the reasons, and then you can apply for correction later.

when applying for a credit card, you must have good credit information. It is difficult for applicants to apply for a credit card even if they change banks, which should be noted. Submitting strong financial proof at the time of application can also increase the probability of bank issuing cards and increase the credit card limit.

when applying for a credit card, it is more likely to pass the application through the Internet. If users don't have too high requirements on the amount, they can consider applying online at this time. The amount of applying for a card online is lower, but the probability of passing is higher and the speed of getting the card is faster.

after applying for a credit card, users can activate it through various channels. Common activation methods include telephone banking, bank counter, SMS activation, online activation, etc. Users can choose the one that suits them best according to their own habits, and need to set inquiry password and transaction password when opening it.

how long can I reapply for a rejected credit card?

Generally, I can reapply for a rejected credit card after 3 months.

a credit card, also known as a debit card, is a credit certificate issued by a commercial bank or credit card company to a consumer with qualified credit. It is in the form of a card with the name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit.

The main functions of credit cards are as follows:

1. It is convenient for people's lives and saves the trouble of carrying cash, and there is no geographical restriction in using credit cards. No matter where you swipe your card in China, you can swipe it as long as you have the UnionPay logo, and there is no handling fee;

2. Be able to participate in various discount activities in cooperation between merchants and banks;

3. The points earned by credit card spending can be exchanged for gifts;

4. Repayment in time after swiping the card will enhance the credibility of personal banks;

5. Installment payment. The inherent core characteristics of credit cards determine that the shopping mode of installment payment can be realized by circulating credit. In fact, the circulating credit provided by credit cards is a small consumption loan provided by card issuers to cardholders, allowing cardholders to make credit purchases with credit cards and realize installment payment shopping through partial repayment.

let's stop here for the introduction of how long it takes to apply for a credit card.