2. Incomplete application materials: the applicant needs to submit complete and true materials. If false or incomplete materials are provided, the bank will not approve them.
3. Bad credit: The applicant's bad credit will affect the handling of credit cards. Please refer to the regulations of the People's Bank of China for specific credit information.
4. Frequent application, frequent application for multiple credit cards in a short period of time, some banks may think it is risky, but not all banks do.
5. The applicant institution is risky: the applicant should apply for a credit card in an official institution or a third party authorized by the official institution, otherwise there may be a risk of personal information disclosure.
Do credit card installment payments need to be reviewed?
Need. Because credit card installment is conditional, after the credit card installment is submitted, the system will make a comprehensive evaluation according to the installment amount, transaction type, application time and even the cardholder's credit card status. Only when the comprehensive score reaches the standard can you pass, and the review time of different stages is different.
Credit card installment can be divided into transaction installment and cash installment, and the transaction installment review is faster, and the results can be obtained within 10 minutes after application; Cash installment is to borrow money from the bank. The audit will be strict and take a long time, and the results will be available in three days.