1. When applying for a credit card, the bank will check the applicant's credit information. If the credit is poor, the card will be rejected. This is a common reason why credit cards are rejected. It is recommended to check the credit information before applying for a credit card.

2. The repayment ability is weak, and the repayment ability of the bank is the key point that the bank considers when verifying the card. If you can't submit the relevant certificates, the bank is likely to refuse, which requires financial certificates, including work certificates, real estate information, vehicle information, etc., to be submitted when applying for a credit card.

3. White credit account. The bank inquired about a person's credit information and found that there was no record. At this time, the bank will have many concerns when checking the card, especially whether the cardholder can repay on time. In order to reduce the risk, banks will refuse to issue cards.

4. The application age does not meet the requirements. Although most banks stipulate that people aged 18 to 60 can apply for a credit card, it will be difficult for older people to apply successfully, mainly because banks doubt their repayment ability.

5. After the credit card information application is submitted, the bank will call back. If the phone is disconnected, the bank will refuse to issue the card. Therefore, after submitting the materials, you must pay attention to the phone number of the bank. Only when the return visit is passed, the bank will not refuse.

Reasons for credit card rejection

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 permanent residence 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 made malicious cash withdrawal in other banks, so the bank refused to apply for a credit card.

4. Falsification of work information: application materials. The above company information and work information must be consistent with the actual situation, otherwise it will be rejected.

5. Bank limits the amount of approval: There is a limit on the number of credit cards approved by the bank every day, and if it exceeds the limit, it will be rejected.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1, the English translation and writing standards for public services were formally implemented, and the English names of credit cards were specified.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and 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 according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

What does it mean that credit card approval is rejected?

Rejecting credit card approval means that the applicant does not meet the conditions for issuing bank cards, so he refuses to apply for credit cards.

The main reasons for refusal are:

1, poor personal credit information;

2. The application materials are false;

3. Personal conditions are not met.

Credit card application process

apply for

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

material

(1) information of the main card holder.

(2) Supplementary card applicant information.

(3) Guarantor information.

(4) Other information.

(5) statements and signatures of the applicant for the main card and the applicant for the supplementary card.

(6) Bank column.

check

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

hairpin

After the applicant successfully applies for a credit card, the card issuer will open a separate credit card account at the card issuing bank for shopping, consumption and cash withdrawal.

Activate bank card

Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements. At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card.

After a credit card is opened, it is generally necessary to set a password for the card.

identify

The credit card has at least the following information on its surface:

Front: name and logo of the issuing bank, credit card type (organization logo) and holographic anti-counterfeiting logo, English or pinyin name, activation date (generally calculated to month) and effective date (generally calculated to month). The chip is attached to the front of the newly issued card, and the chip account and the card magnetic stripe account are two relatively independent accounts.

Back: card magnetic stripe, cardholder signature column (signature is required after activation), service hotline, last four digits or all (to prevent fraudulent use), and credit card security code.

approve

After receiving the authorization notice, the issuing bank will issue an authorization instruction according to the balance of the cardholder's deposit account and the agreement that the bank allows overdraft, and reply whether to agree to the transaction.

use

Credit cards are usually only used by the cardholder himself, and lending them to others is generally a violation of the use contract.

Pin card

Before the credit card is cancelled, the account balance must be settled, and the whole process of card cancellation must be completed within 45 days after the application.

The application for a credit card was rejected. What is the reason?

The main reasons are as follows:

1. The materials submitted when applying for a credit card are incomplete or contain information errors.

Many people often submit incomplete materials when applying for credit cards. Most banks require applicants to submit similar materials, the main materials are basically: identity certificate, work certificate, income certificate, property certificate and so on. If the materials are not fully prepared and there is information error in a certain material, the bank will think that the applicant's comprehensive score is insufficient.

The comprehensive score of the bank includes: age, length of service, salary, education, position, personal property status, etc. The more information provided, the better, and the greater the chance of successfully applying for a credit card.

2. The basic conditions of the applicant do not meet the requirements of credit card review.

Banks have age, job and credit requirements for credit card applications. General credit cards can't be applied successfully. There must be a condition that does not meet the requirements.

(1) Age: The bank requires that the applicant must be between 18-60 years old. But in fact, most banks have high age requirements, and those who are not in the range of 20-55 years old are rejected. So many people often fail at the age level.

(2) Work: The nature of work determines the salary. Banks prefer civil servants, state-owned enterprises and other jobs with stable income. If the applicant's job is sales, venture capital and other jobs with unstable income, it is very likely that he will be rejected when applying for a credit card.

(3) Credit: Personal credit is particularly important for applying for a credit card. As can be seen from its literal meaning, credit cards are mainly issued on the basis of personal credit. Therefore, the applicant has been overdue for many times or for a long time, and this record has been included in your personal credit information system. Then you can hardly apply for a credit card.

Extended data:

Application: The application method is generally to fill in a credit card application form, which generally includes the applicant's name, basic information, economic status or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.

After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

Review: After receiving the application form and relevant materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Card Issuing: After the applicant successfully applies for a credit card, the card issuing bank will open a separate credit card account for the cardholder at the card issuing bank for shopping, consumption and settlement after cash withdrawal.

Card opening: Since the card is mailed after the credit card application is approved, there is no guarantee that the recipient is the applicant. In order to protect applicants and banks from being stolen, credit cards have card opening procedures before they are officially opened. Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements.

At this time, the applicant becomes the cardholder and can officially start using it after signing on the back of the card. After a credit card is opened, it is generally necessary to set a password for the card.

References:

Baidu encyclopedia-credit card

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.

What does it mean that credit card approval is rejected?

Rejection of credit card approval means that the application materials submitted by users cannot meet the requirements of the bank for card approval, and the bank will refuse to issue cards in order to prevent subsequent risks. After a bank fails to apply for a credit card, it can repay the loan in another bank. If you only want to apply in one bank, it's best to wait more than 3 months.

After the credit card application is rejected, you can call the bank customer service hotline to ask the specific reasons. Generally, as long as the user 18 is over one year old, has a stable job and good credit, he can apply for an ordinary credit card. If you want a high credit card, you need to submit other materials.

When applying for a credit card, you can go through the bank counter and the bank official website. When you apply for a credit card in official website, you can learn more about the basic information and interest of this credit card. Generally, you can apply for a credit card whose benefits are most useful to individuals, so that you can get the most preferential treatment in daily use.

After the user gets the applied credit card, it can be activated. The mailing envelope is marked with the activation method, and the user can choose one of them. The transaction password and inquiry password are usually set when activating, which can be the same or different.

This is the end of the introduction of credit card application rejection and credit card application rejection without notice. I wonder if you found the information you need from it?