1, personal qualification score is insufficient.
Personal qualifications such as age, occupation, education, marriage and household registration. For example, if you are too young or too old, divorce or single will be deducted.
2. Insufficient work scores
Job evaluation includes the nature of the work unit, working years, working time in the current unit, position, etc. Generally speaking, ordinary units or freelancers, or people with short working years, generally have lower scores.
3. Insufficient income score.
Income is mainly reflected in several aspects, one is the running water in the wage bank, the other is non-wage income, and there are personal assets, such as real estate, automobile production, deposits and so on. If there is no fixed assets, the personal bank will have less water, and the general score will be lower.
4. The information authenticity score is insufficient.
It is very important to check the authenticity of the applicant's information when handling a card or withdrawing money. The bank will focus on the authenticity of the materials submitted by the applicant and the authenticity of the contacts left behind. If the material or information is found to be false, the score will be reduced. If you can provide powerful contacts, you can sometimes get extra points. For example, people who stay in civil servants, have stable jobs, and have higher incomes can get extra points.
5. Insufficient credit rating.
Credit investigation is an audit factor that banks attach great importance to. The bank will focus on evaluating the applicant's overdue credit investigation, special transactions, credit inquiry records, etc. Too many overdue, too many credit inquiries, generally will reduce points.
6. Insufficient debt score
Banks generally have certain requirements for the applicant's debt ratio, which is generally reasonable within 50%. If it exceeds 50%, the higher the debt ratio, the more points will be deducted.