Finally, regardless of whether these online lending platforms are included in the credit information, everyone should not lend at will, spend reasonably and do things within the scope of personal economic ability.
The credit investigation was spent.
Although it is not overdue, it is also a bad performance for many banks.
After all, most credit investigations are due to repeated applications for credit cards or loans in a short period of time, which leads to frequent inquiries by banks or financial institutions. This makes the bank think that there are high-risk behaviors and that you must be short of money recently. Considering the risk, it may not be easy to give you a card.
If you really want to apply for a card, it is recommended to apply for a joint card of major banks. For example: Taobao co-branded card, JD.COM co-branded card, Hungry, Meituan co-branded card and so on. Believe me personally in the specific method.
2. The debt is too high
The bank's approval of credit cards depends not only on the credit information, but also on the repayment ability of the applicant. And if the debt shown in the credit report is too high, the bank will think that your risk is high and your repayment ability is definitely not good, so this is also the reason why you can't get a credit card.
Pay attention to the liabilities shown in the credit report, including credit cards and online loans. Some friends may want to reduce credit card debt by installment payment.
So, what should I do if my credit card is not overdue?
1, apply online
It may be a little difficult to apply for a credit card at the counter. It is best to apply for some low-threshold bank credit card products online. After all, credit cards are not black accounts, and some banks may grant you cards as long as they see that you have no overdue records.
2. Use cards to handle cards
If you have a credit card that has been used for more than 1 year and the amount is about 30,000 yuan, and you can repay it on time, you can use this card to apply for a card in other banks, which will make it easier to apply for card approval and the amount will be higher, generally not lower than the amount of the card you already hold.
3. Provide proof of financial resources
If you have real estate, automobile production and other properties under your name, it is recommended to go directly to the counter to apply for a credit card and provide the relevant financial proof to the bank, so that the bank can recognize your financial strength and feel that you can repay the loan, which will make it easier to get off the card and the amount of card approval will be higher.
In a word, there are many reasons why credit cards can't be done, among which credit reporting and liabilities are the most influential. You can find out the reason according to the above situation. Finally, dealing with cards is also skillful and needs to be studied more.