In fact, the so-called comprehensive score when applying for a credit card refers to the data that the applicant fills in when filling out the application form, such as the nature of the unit, educational background, housing status, annual salary, marital status, number of dependents, etc. The bank has a computer scoring system. After the reviewer enters the applicant's information into the computer, the computer automatically calculates the points based on the above conditions.

For example: If a doctoral degree is worth three points, then a graduate degree is worth two points and an undergraduate degree is worth one point. Finally, the computer gives a score, and when the bank calculates the applicant's score, there will be a standard. For example, if it is below 50, it is recommended to reject it; if it is 50 to 80, it is recommended to have a regular card; if it is above 80, it is recommended to be a gold card.

The above is just an example. Banks do not implement this standard. Moreover, the scoring standards of each bank are different. If an applicant encounters an insufficient overall score in a certain bank and applies for a credit card from another bank with the same information, he may get a gold card.

Since the bank’s standards are confidential, we have no way of knowing the specific standards. Although there are some scoring standards circulating on the Internet, their authenticity has yet to be verified. Just take a look and don't take them seriously.

So is the score given by the computer the comprehensive score when applying for a credit card? Does an insufficient comprehensive score mean that the score is not enough? Not necessarily.

The scoring standard is just a scoring standard, which is a rough level assessment of the customer. It will not have a decisive impact on the final review, nor is it the only basis for decision-making. It excludes green channels, situation verification and other beyond subjective decisions such as promotion policies.

After the applicant submits the application, the bank will check his social security situation to estimate his salary status; it will also check his credit report with the People's Bank of China; in addition to the filled-in credit card application form, the other properties submitted , professional qualification certificates and other financial and personal ability certificates, these banks will check them. If the detected situation does not match the filled-in content, the card will be rejected.

There are many reasons why applications are rejected, some of which have nothing to do with the overall score. For example, the bank did not call the applicant, but in the end the bank gave the applicant the only reason that the personal overall score was insufficient. There are some situations that cannot be decided by the applicant. All the applicant can do is to prepare as many accurate and true application materials as possible.