The credit card audit failed for the following reasons:
1. Short working life. When applying for a credit card, the bank will require the applicant to work for more than half a year. If the working experience fails to meet the requirements, it will not be hired.
2. The monthly income is less than 3000 yuan. The bank requires the applicant to produce a certificate of stable income to ensure that the monthly income is above 3000, otherwise it will not be accepted.
3. Bad credit record. If the applicant leaves a bad record in the credit investigation, including overdue repayment, credit card arrears, etc. It is generally impossible to apply for credit cards from all banks.
First of all, there are many kinds of personal loans, which are only classified according to whether there is collateral or not, and are divided into mortgage loans and unsecured credit loans. The following is a brief analysis and explanation of these two loans:
1. Unsecured credit loan, which we refer to as credit loan for short, is a pure credit loan issued by the bank to individual customers solely based on the nature of the company, wages, social security accumulation fund, etc. There will also be a concept of consumer loans. Of course, there is no direct difference between these two concepts.
2. Mortgage loan, here mainly refers to housing mortgage loan, and of course there are also vehicle mortgage loans. I won't describe it in detail here. Mortgage loans are divided into mortgage commercial loans and mortgage consumer loans, and the amount of mortgage consumer loans generally does not exceed 1 10,000. Mortgage loan refers to the loan to use personal housing for company operation. As the name implies, a company is required to be established in the name of itself or immediate family members, including husband and wife, parents, children, brothers and sisters, etc. Mortgage can also be divided into primary mortgage and secondary mortgage, that is, mortgage is called secondary mortgage.
3. Let's see how to operate the mortgage:
Valuation, according to the cost of the house, is evaluated by the appraisal agency, including the amount, interest rate, years, etc. You can probably calculate what you can borrow. Face-to-face signing, face-to-face signing in the bank, you need to provide relevant materials such as room books. If there is no company, start to operate the company, such as changing shareholders or legal persons, or newly registered companies. , depending on the requirements of the bank. After the bank approves the loan, the house is mortgaged and notarized. Lending and loan processing are over.
What is the reason why the credit card application is not approved?
Personal credit problems. When a user applies for a credit card, the bank will check the user's credit information. If the user had bank debts before, there would be a stain on the personal credit information. Then, the bank may reject the user's application.
The information is incomplete. User information is a very important aspect when applying for a credit card. If the information submitted by the user is not complete enough, the bank cannot make a judgment. Then, this situation may also lead to the failure of credit card application.
Do not meet the conditions. There are many reasons for this. For example, if the user is under the age of 18, or has no stable income, the credit card application may fail. Therefore, when applying for a credit card, users can first check whether their conditions meet the requirements of the bank.
The information is false. The application materials submitted by the applicant to the bank need to be reviewed by the bank. If you find that the information is in doubt, you can call to verify it; If the actual situation is inconsistent with the information filled in by the user, then the application for credit card will fail.
The card level applied for is higher. There are many kinds of credit cards, such as ordinary cards, gold cards, platinum cards and diamond cards. The higher the level, the higher the application threshold. Therefore, if the user conditions are not met, the card with higher application level will also be rejected.
There are too many factors to consider when applying for a credit card.
What are the reasons why the credit card application is not approved?
For many card friends, it should be easy to apply for a credit card as long as their credit information is not overdue, but many card friends report that their credit card applications are always rejected. In fact, there are many reasons why credit card applications are rejected. Credit investigation is only a part, and there are other special reasons. If you don't do well, your credit card application will also be rejected. So today, Xiao Qin will share with you the reasons why the credit card application was rejected and how to solve it, so that we can easily get rid of the card and interested friends can continue reading.
First, the comprehensive score is insufficient.
I believe this is why many card friends are rejected. What is the lack of comprehensive score? It is your internal big data in the bank, and your personal credit information is external big data. Your credit investigation is not overdue, but you need to do a good job in the internal information of the bank you applied for, establish the bank's attention and improve your internal score in the bank, otherwise you will be rejected by the bank if you don't apply for anything. So how do you improve your attention in the bank and establish a comprehensive score? Interested card friends can consult Xiao Qin.
Second, the card selection
Credit cards are also graded. The higher the card type, the higher the requirements for the applicant. If you don't apply according to your actual qualifications, you are likely to be rejected. On the contrary, if you can choose the card type according to your personal qualifications, the success rate will be improved a lot.
Third, there is too much long-term credit.
Multi-head credit refers to the behavior of two or more financial institutions granting credit to the same customer, including credit cards, credit lines and credit lines of various financial institutions. When a person has too many credit reporting agencies, it is easy for a credit card application to be rejected because of multiple credits. At present, the multi-head credit for construction, investment promotion, agriculture, people's livelihood and Guangfa is very strict. Is there any way to get rid of it
1, optimize credit.
Credit card users whose credit cards or inquiry records exceed the limit are also a kind of multi-head credit. If the limit has been exceeded, stop the application first and use the skill of "creating three N foreign currency accounts with a credit card". In three months, they can directly isolate the original records that exceed the limit, and directly achieve the effect of reshaping the credit card. I don't know if I can consult Qin Xiao WeChat for study.
2. Cancel unused credit platforms
You used to have a financial platform and an authorization line. If it is no longer used, it is recommended to log out directly. Generally, financial platforms with authorized lines all collect credit at meetings, which will also affect multi-head credit granting.
3. Create high-quality credit cards
Many people think that the more credit cards, the better. In fact, 3-6 cards are usually enough. There are not many cards, but in essence there are many credit cards, which will not help you increase your credit limit, but will also affect the bank's giving you a higher credit limit. So according to the situation of your existing bank, cancel the credit card of the bank with little room for improvement. After simplifying the cards, through the special "dense card" skills,
Why do you always fail to apply for a credit card? Find the reasons from the following five aspects.
Applying for a credit card always fails. If the cardholder is anxious to use the card, he is likely to be anxious to find a doctor and a black intermediary to handle the card. In fact, this is not the solution to the problem, and he may even betray himself. Today, I sorted out the five reasons why credit cards were rejected, to see why.
First, whether it meets the conditions for issuing cards.
There are many kinds of credit cards, and different types of cards have different application conditions. If you only have the basic conditions to apply for a card, then you may not be able to apply for a credit card. For example, the owner's card must have a car, and the high-end credit card (platinum card) must have strong economic strength.
Second, the number of application materials
Banks will refer to many factors when examining the qualifications of card holders, such as income, housing conditions, job stability, academic qualifications, family conditions and so on. When filling out the application form, they should pay attention to skills. In addition, providing additional proof of financial resources can add points to the card. Just providing ID card, work certificate and income certificate may lead to applying for a credit card.
Third, short-term applications are too secret.
The reason why you can't always apply for a credit card may be that after you apply for a credit card for the first time, repeatedly applying for a credit card in a short time without knowing the reasons for rejection will only lead you into a vicious circle of credit card rejection.
Fourth, whether the credit record is good.
If your credit history is tainted, it is normal that you can't always apply for a credit card. If there is a problem with the credit information, the bank will directly refuse to sign the credit card. Unless you can provide a "non-malicious overdue certificate", you can apply for a credit card again after 5 years.
Verb (abbreviation of verb) Other reasons
Summary: Why do credit card applications always fail? The five reasons listed above hope to help you. Applying for a credit card is tricky. In addition to the above reasons, choosing the right application channel is also the key. If you apply for a credit card through a third-party platform authorized by the bank, it may give you unexpected surprises!
Reasons for failure of credit card application
Credit card application failed, which may be due to the following reasons:
1, the application conditions do not meet;
2. Inappropriate information;
3. Have a bad credit record;
4. The comprehensive score is not enough;
5. Irregular card handling;
6. Too many credit cards;
7. The debt ratio is too high.
If it is because the applicant's repayment ability is not enough, it will involve two aspects. One is that the applicant's income is too low, then the bank will refuse the visa;
On the other hand, it is whether the applicants' jobs are stable, and many applicants have high incomes. However, due to the unstable source of income, banks will worry about the applicant's future repayment ability, and may also refuse the visa.
Credit card application
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.
The object of applying for credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.
When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation 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.
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.
Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.
The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
hairpin
After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.
What is the reason for the failure of credit card audit?
There are three main reasons why most bank credit cards fail to pass the audit:
1, working experience should be at least half a year: in order to avoid taking risks, banks require users who apply for credit cards to have working experience. Users are generally required to work for half a year. That is, you need to provide proof of social insurance or housing accumulation fund for half a year or more to prove that your working years meet the requirements.
2. The monthly income needs at least 3,000 RMB: In order to avoid the risk that users can't repay on time, banks require users to show proof that your income is stable when applying for a credit card. For example, salary cards, running accounts. If your salary is paid in cash, you can print it at the bank. You have used the bank card transaction records for more than half a year. You can also use this to prove it.
3. Bad credit records will affect credit card applications: As we all know, the blacklist of system users in banks is shared, which means that if you leave bad records in a bank, including overdue repayment and credit card arrears, etc. You can't apply for a credit card at all banks. You can take your ID card (and photocopy) and other valid documents to the People's Bank to print your credit record. If you are unfortunate enough to have a bad record in your credit history, you need to deal with it as soon as possible and return the bank debt.
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1. How can I apply for a credit card without being rejected by the bank?
1. Research on the reasons for application rejection: After the application card is rejected, the bank will not tell the customer the reasons for rejection, but will only say that the comprehensive score is insufficient and will not return the application materials to me. This is an industry norm.
2. Choose the appropriate card type according to your own conditions: Learn more about the application conditions of the credit card you choose. If there is any discrepancy, you can apply for other types of credit cards or other banks.
3. Provide detailed application materials: If the submitted documents are incomplete, the residential address is not provided, the fixed residential telephone number of oneself or immediate family members or brothers and sisters is not provided, the company telephone number is not provided, the required (supplementary) time is exceeded, and the income/work certificate and property certificate documents fail to meet the requirements, the application may be rejected again.
4. Pay attention to answering the call for credit inquiry: Generally, bank customers will make credit inquiry by phone for up to three times, and one or two missed calls can make up for it. Some banks may fail to answer the credit card application once, so pay attention to answering the credit call after submitting the application.
5. Choose another bank to apply: If it is not because of the bad credit record, being rejected at Bank A will not affect the application at Bank B. ..
6. Choose a bank outlet or official website Bank to apply for a card: If the credit card applied at an intermediary or roadside application point is rejected, it may be a black intermediary. If you apply for a card again, you must choose a bank outlet or a bank in official website to submit your application.
7. Don't run cards frequently and intensively: Running credit cards frequently (for example, running more than one card a month) will be regarded as a high risk by some banks, but not all banks have similar situations, and it may depend on the situation.
8. Pay attention to personal credit records: If it is rejected for many times, it is recommended to hold my ID card to the credit information management office of the local people's bank to inquire about personal credit reports.
Why don't we talk here, without introduction.