"Insufficient overall score" generally refers to insufficient overall credit card score. The reason for the insufficiency is mainly because your work unit and the credit score you provided are insufficient. Broadband fees and telephone fees are not yet included in the central bank's personal comprehensive credit network. But this feature will be added soon. If you want to apply for a credit card, you'd better read the card application instructions carefully and fill them out carefully, and provide valuable credit certificates. Requirements vary from bank to bank.

Cause of failure

1. For example, it is over the limit.

2. Overdue.

3. The limit on the amount increase time of your bank has not been reached. (Refer to the periodic table of bank credit increases in the information)

4. The proportion of online consumption is too high. (Online cash out)

5. Single consumption. (Massive cash out)

6. Multiple minimum repayments in a row (low repayment ability) may result in a limit increase.

Overview The credit card review department will review the applicant's basic personal information, financial status, credit situation and other information in accordance with the bank's policies and regulations, and comprehensively refer to these factors to determine whether the applicant is eligible for card issuance. If you do not meet the card issuance conditions, it is the so-called comprehensive score deficiency. It is just an expression of a concept and does not have a specific score.

Bank standards: Each bank's comprehensive score has a bank standard, which is generally not made public. The bank itself has a complete set of scoring systems, which are used to comprehensively evaluate the risks that the bank itself bears in issuing cards to you. . So if you want to apply for a credit card, please provide as much proof of your assets as possible, so that your overall score will not be low, which will help your credit card application to be successful.