Although the threshold for applying for a credit card is low, it is also possible that the application will be rejected. After all, the bank still needs a certain risk assessment to give you overdraft money, and finding a bad spearhead may lead to your application failure. If your application for Ping An Bank's credit card is rejected, you will usually get the answer that your comprehensive score is insufficient. And the bank won't tell you why!
The following small series introduces some reasons for the rejection/failure of Ping An Bank's credit card application, which can be analyzed and investigated in combination with your own application.
1. The application information is incorrect or missing.
The main reference for banks to review credit cards is the application information. If the application information you provide is wrong or missing, it may directly lead to your application being rejected.
2, the economic strength is not enough
Ping An Bank has a variety of credit cards, including ordinary cards, gold cards and platinum cards. If you are just an ordinary office worker, you have to apply for a platinum card for the first time, so it is obviously overreaching, and it is normal to fail to apply.
If you want to apply for a high-grade credit card, you'd better provide additional financial proof, such as real estate license, driving license, deposit slip, financial management certificate, five insurance and one gold deposit certificate, etc.
3. Bad credit report
If you have a record of bad card use, such as overdue credit card, cashing out credit card, etc. Or have a record of non-performing loans, the bank will directly apply for a credit card for you to be sentenced to death and refuse the card.
If your Ping An Bank credit card application is rejected/failed, you can find the source from the above reasons. It is suggested that you choose the product that suits you according to your actual needs and credit situation, so that the card issuance rate will be higher.