What is the comprehensive credit card score?
Credit card comprehensive score is the bank's evaluation of your comprehensive credit based on the information provided by your lock and using a fixed scoring system. There are many factors that affect the comprehensive score, including marital status, professional title, work, economic ability, personal housing, credit record, education and so on. All the scores add up to get the so-called "comprehensive score". If the nature of the work unit is a public institution/government agency, 3 points, then some occupations with unstable income may only have 1 point; Married is 2 points, then unmarried may be 1 point.
Therefore, when you apply for a credit card and submit it to the bank, the bank will evaluate your information. This evaluation is a "comprehensive score". The reason why many cardholders refuse to apply for credit cards is also the lack of "comprehensive score".
Reasons for insufficient comprehensive score:
1, self-employed or unstable income sources are often the most easily rejected reasons. Those self-employed, because of the unstable income source, the bank is not sure whether they have enough repayment ability, so they are likely to refuse their card application;
2. Apply for advanced credit card directly.
Many applicants like to apply for high-end credit cards such as platinum cards because of their high quota and good value-added services. However, the requirements of platinum card for applicants are higher than those of Puka and Gold Card, which requires applicants to have a certain economic foundation. Therefore, some applicants who apply for platinum cards early are likely to be directly killed by banks. Don't be greedy. Let's start with Puka.
3. There is no card issuing point in the applicant's residence or work place.
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