1. Reasons why credit card applications for white households are always rejected 1. A blank personal credit report. No credit record or bad credit record does not mean that the credit report is good. For This type of people, also known as white households, have disadvantages when applying for credit cards. Because there is no credit record, the bank cannot consider your credit when reviewing your credit card application. Is it good or bad? In order to prevent risks, the bank may choose to reject the card directly. 2. No dealings with the card issuing bank. When reviewing a credit card application, the bank will comprehensively consider the applicant's qualifications and obtain a comprehensive score. If the score is too low, the card will be rejected. If you have not had any business dealings with the issuing bank where you applied for a credit card, such as: you have not applied for a debit card from this bank, you have not transferred money through this bank, you have not purchased any financial products from the bank, etc., then your overall score will be It won’t be high, but the probability of card rejection is high.
2. Tips for applying for a credit card from a white account 1. Seize the bank’s key points. Different banks have different key points for approving credit cards. For example, ICBC is more interested in an individual’s star rating in ICBC; Ping An Bank is more interested in it. Whether the applicant has purchased bank insurance products; China Merchants Bank looks at the applicant’s academic qualifications and the nature of the workplace, etc. Therefore, when Baihu chooses which bank to apply for a credit card, it depends on whether he can grasp its destiny. 2. Additional proof of financial resources. It doesn’t matter if the account has no credit record. If the bank has strong economic strength, it will not easily give up high-quality customers. It is recommended to provide more powerful proof of financial resources, such as real estate certificates, driving licenses, large deposit certificates, and five insurances. One-fund payment certificate, personal income tax payment certificate, etc. 3. Pay attention to answering the credit report callback call. Banks will be more rigorous in reviewing credit card applications for white accounts, so the probability of receiving a credit report callback call will be much greater. If you don’t even receive a credit report callback call from the bank, you will be rejected. Getting stuck is inevitable, otherwise, getting stuck is not far away.