Look for the reasons why you always fail to apply for a credit card from the following five aspects

If you always fail to apply for a credit card, if the card applicant is eager to use the card, he may be in a hurry and seek medical treatment. , go to a black intermediary to apply for a card. In fact, this is not a solution to the problem, and may even betray you. Today I have compiled the top five reasons why credit cards are declined, and see why you are the reason.

1. Whether you meet the card issuance conditions

There are many types of credit cards, and different card types have different application conditions. If you only have the basic conditions for applying for a card, then you may not be able to apply for a credit card. Will fail. For example, for a car owner card, you must have a car, and for a high-end credit card (platinum card), you must have strong financial strength.

2. The amount of application materials

When banks review the qualifications of card applicants, they will take into account many factors, such as income, housing conditions, job stability, and academic qualifications. Level, family conditions, etc., you should pay attention to the skills when filling out the application form. In addition, providing additional proof of financial resources can give you extra points when applying for a credit card. Simply providing ID card, proof of employment, and proof of income may result in the application for a credit card being rejected.

3. Applying for too many passwords in a short period of time

The reason why you always fail to apply for a credit card is that after you applied for a credit card for the first time, you did not understand the reason for rejection in a short period of time. Applying for a credit card repeatedly within a period of time will only trap you in a vicious cycle of credit card rejections.

4. Is your credit record good?

If your credit record is stained, it is normal for your credit card application to be rejected. Banks will directly reject cards for people with credit problems. Unless you can provide a "non-malicious overdue certificate", you can only apply for a credit card again after 5 years when your credit record is cleared.

5. Other reasons

Summary: Why do you always fail to apply for a credit card? I hope the five reasons listed above can help you. There are techniques for applying for a card. In addition to the above reasons, choose Appropriate application channels are also key. If you apply for a card through a third-party platform authorized by the bank, you may get unexpected surprises!

Why the credit card application failed to pass the review

The credit card review may not pass due to the following reasons:

1. Short working experience. When applying for a credit card, the bank will require that the applicant's working experience must be more than half a year. If the working experience does not meet the requirements, the application will be rejected.

2. The monthly income is less than 3,000 yuan. Banks require applicants to provide proof of stable income and ensure a monthly income of more than 3,000, otherwise they will be rejected.

3. Bad credit record. If an applicant has a bad credit record, including late repayments, credit card debts, etc., applications for credit cards from all banks will generally be rejected.

First of all, there are many classifications of personal loans. Here we only classify them based on whether there is collateral, and they are divided into mortgage loans and unsecured credit loans. The following is a simple analysis and explanation of the two types of loans:

1. Unsecured credit loans, which we refer to as credit loans, are pure credit loans issued by banks to individual customers based solely on the nature of the unit, punch-in salary, social security provident fund, etc. This will also derive a consumption The concept of loan, of course, there is no direct difference between the two concepts.

2. Mortgage loans, here mainly refers to house mortgage loans, of course, there are also vehicle mortgage loans, etc., which will not be described in detail here. Mortgage loans are divided into two types: mortgage business loans and mortgage consumer loans. The amount of mortgage consumer loans generally does not exceed 1 million. Mortgage business loans refer to using personal houses to apply for loans for company operations. As the name suggests, you need to have a company in your own name or in the name of your immediate family members. Immediate family members include husband and wife, parents, children, brothers and sisters, etc. Mortgage loans can also be divided into first offset and second offset based on whether there is a mortgage. In other words, those with mortgages are called second offsets.

3. Let’s take a look at how to operate a mortgage business loan:

Valuation. Based on the property cost, the appraisal agency will conduct a valuation to roughly calculate the amount that can be loaned and the interest rate. , years, etc. For the interview, go to the bank for the interview, and you need to provide the house book and other relevant materials.

If you don't have a company, you can start operating the company, such as changing shareholders or legal persons, or registering a new company, etc. Of course, the specific requirements will depend on the bank's requirements. The bank approves the loan, and after the loan is approved, the property is mortgaged, notarized, etc. The loan is disbursed and the loan processing is completed.

What are the reasons for failure of credit card review?

Three major reasons why most banks fail to pass credit card review:

1. The working experience must be at least half a year: the bank wants to To avoid taking risks, users who apply for credit cards have working experience requirements. Generally, users are required to have worked for half a year. That is to say, you need to provide proof of social insurance or housing provident fund for half a year or more to prove that your working years meet the requirements.

2. The monthly income needs to be at least 3,000 yuan: In order to avoid taking the risk of users not being able to repay on time, banks require users to present supporting documents that can prove their stable income when applying for a credit card. Such as salary card and current bills. If your salary is paid in cash, you can go to the bank to print out the bank card transaction records you have used for more than six months. This is also possible to prove.

3. Bad credit records will affect credit card applications: As we all know, the bank’s system user blacklist is exclusive, that is to say, if you leave a bad record in a bank, including late repayment, If you have a balance on your credit card, etc., your application for a credit card from any bank will generally be rejected. You can take valid documents such as ID cards (and copies) to the People's Bank of China to print your credit record. If you are unfortunate enough to have a bad record on your credit record, then you need to deal with it as soon as possible and pay back the balance owed to the bank.

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1. How should we apply for a credit card without being rejected by the bank?

1. Research the reasons for application rejection: after the card application is rejected, the bank will not When informing customers of the reason for rejection, they will only say that the overall score is insufficient and the application materials will not be returned to the customer. This is an industry norm.

2. Choose the appropriate card type according to your own conditions: Understand the application conditions of the credit card you choose in detail, and if there are incompatible conditions, apply for other types or credit cards from other banks.

3. Provide detailed application information: If the submitted documents are incomplete, the residential address is not provided, the fixed residential phone number of the person or his immediate family members or siblings is not provided, the work phone number is not provided, and the application exceeds the requirements (supplementary documents) If the time, income/work certificate, and property certificate documents do not meet the requirements, the application may be rejected again.

4. Pay attention to answering credit investigation calls: Generally, bank customers will make up to three phone calls for credit investigation. Missing one or two calls can make up for it. One missed call from some banks may result in your credit card application being rejected, so be careful to answer the credit call after submitting your application.

5. Choose another bank to apply: If it is not due to bad credit record, being rejected at Bank A will not affect your application at Bank B.

6. Choose a bank outlet or bank official website to apply for a card: If the credit card you applied for at an intermediary or at a roadside application point is rejected, you may have encountered a rogue intermediary. You must choose a bank outlet to apply for a card again. Or submit an application on the bank’s official website.

7. Do not apply for credit cards frequently: Applying for credit cards frequently (such as applying for multiple credit cards in a month) will be regarded as high risk by some banks, but not all banks have similar conditions. , can depend on the situation.

8. Pay attention to your personal credit record: If you are rejected multiple times, it is recommended to go to the credit management office of the local People's Bank of China with your ID card to check your personal credit report.

What are the reasons for failed credit card application?

For many cardholders, they think that as long as their credit report is not overdue, it should be easy to apply for a credit card. However, many cardholders report that their credit card applications are always rejected. In fact, credit card applications are rejected. There are many reasons, and credit reporting is only one of them. There are also some other special reasons. If you don’t do the right things, your credit card application will be rejected. So today Xiao Qin will share with you the reasons why your credit card application is rejected and how to get rid of it. The solving skills allow us to easily get rid of the card. If you are interested, please continue reading!

1. Insufficient comprehensive score

I believe this is the reason why many cardholders are rejected. What is insufficient comprehensive score refers to your internal big data in the bank, your personal Credit report is external big data. Your credit report is not overdue, but you need to prepare the internal data of the bank you are applying for to build the bank's attention and improve your internal score in the bank. Otherwise, you will do nothing to apply. will be rejected by the bank, so how to improve the attention of the bank and create a comprehensive score? Interested cardholders can consult Xiaoqin WeChat to learn.

2. Card type selection

Credit cards also have levels. The higher the level of the card, the higher the requirements for applicants. If you don't apply based on your actual qualifications, you're likely to be rejected. On the contrary, if you can choose the card type based on your personal qualifications, your success rate will increase a lot.

3. Too many multiple credit extensions

Multiple credit extensions refer to the behavior of two or more financial institutions granting credit to the same customer, which includes credit cards. , credit, and credit lines from various financial institutions. When a person has too many credit institutions, it is easy for the credit limit to be too high, causing the credit card application to be rejected due to multiple credit extensions. Currently, construction, investment, agriculture, people's livelihood, and Guangfa have multiple credit extensions. It's very strict. Is there any way to break it?

1. Optimize credit reporting

Credit reporting flowers or inquiry records exceeding the limit are also a type of multi-credit credit. Credit reporting flowers and cardholders whose inquiry records have exceeded the limit should stop proceeding first. To apply, use the technique of "creating 3 credit accounts with N single currency cards". In 3 months, you can directly isolate the original query over-limit records and directly achieve the effect of reshaping the credit report. If you don't know how, you can consult a professional. Qin WeChat learning.

2. Cancel unused credit platforms

You once had a financial platform with authorized quotas. If you no longer use it, it is recommended to cancel it directly. Generally, financial platforms with authorized quotas , are all subject to credit review at the meeting, and will also affect the credit extension of long-term investors.

3. Create high-quality credit cards

Many people think that the more credit cards, the better. In fact, it is usually enough to create 3-6 cards. It is not about having many cards, but about being precise. No matter how many credit cards you have, Many, they are just a bunch of food cards, which will not help you to increase your credit limit, and will also affect the bank to give you a higher credit limit, so according to your current bank situation, you can cancel credit cards from banks with little room for improvement. After streamlining, by using special "intensive card" techniques to increase the credit limit, you can easily achieve a total credit limit of 500,000!

This is the end of the introduction on why the credit card was not approved and why the credit card was not approved. I wonder if you found the information you need?