Why the credit card application failed to pass the review

The credit card review may not pass due to the following reasons:

1. Short working experience. When applying for a credit card, the bank will require that the applicant's working experience must be more than half a year. If the working experience does not meet the requirements, the application will be rejected.

2. The monthly income is less than 3,000 yuan. Banks require applicants to provide proof of stable income and ensure a monthly income of more than 3,000, otherwise they will be rejected.

3. Bad credit record. If an applicant has a bad credit record, including late repayments, credit card debts, etc., applications for credit cards from all banks will generally be rejected.

First of all, there are many classifications of personal loans. Here we only classify them based on whether there is collateral, and they are divided into mortgage loans and unsecured credit loans. The following is a simple analysis and explanation of the two types of loans:

1. Unsecured credit loans, which we refer to as credit loans, are pure credit loans issued by banks to individual customers based solely on the nature of the unit, punch-in salary, social security provident fund, etc. This will also derive a consumption The concept of loan, of course, there is no direct difference between the two concepts.

2. Mortgage loans, here mainly refers to house mortgage loans, of course, there are also vehicle mortgage loans, etc., which will not be described in detail here. Mortgage loans are divided into two types: mortgage business loans and mortgage consumer loans. The amount of mortgage consumer loans generally does not exceed 1 million. Mortgage business loans refer to using personal houses to apply for loans for company operations. As the name suggests, you need to have a company in your own name or in the name of your immediate family members. Immediate family members include husband and wife, parents, children, brothers and sisters, etc. Mortgage loans can also be divided into first offset and second offset based on whether there is a mortgage. In other words, those with mortgages are called second offsets.

3. Let’s take a look at how to operate a mortgage business loan:

Valuation. Based on the property cost, the appraisal agency will conduct a valuation to roughly calculate the amount that can be loaned and the interest rate. , years, etc. For the interview, go to the bank for the interview, and you need to provide the house book and other relevant materials. If you don't have a company, you can start operating the company, such as changing shareholders or legal persons, or registering a new company, etc. Of course, the specific requirements will depend on the bank's requirements. The bank approves the loan, and after the loan is approved, the property is mortgaged, notarized, etc. The loan is disbursed and the loan processing is completed.

What should I do if my credit card is not approved?

As more and more people apply for credit cards, many people have applied for credit cards, but many people have not been approved when applying for credit cards. So what should I do if the credit card is not approved? Let’s take a look.

1. Bad credit report: A bad credit report cannot be changed in the short term. After all, bad credit records will not be eliminated until they are kept for 5 years. No one has the right to modify the credit report. If there is an overdue credit report, the last It is best to pay off the outstanding balance and wait for about 3 months before applying for a card. If the card is overdue for three to six months in a row within 2 years, the application will be rejected.

2. Debt is too high: If the credit card approval is not approved because the debt is too high, then the system will consider the applicant to have insufficient repayment ability. If the debt ratio exceeds 50, part of the debt will be paid off first. , and then appropriately lower the card application level. For example, if you originally wanted to apply for a platinum card, you can apply for a gold card first, etc.

3. After finding out the reason for failure in credit card approval, you can apply again after a period of time, and do not apply at the same bank after being rejected. You can apply to another bank. If you have good financial strength, you can directly Apply for the card through the online store.

The above is what I found for you about what to do if your credit card is not approved. I hope it can help you.

Why did the credit card I applied for fail to pass?

1. Age limit: You must reach the specified age to apply for a credit card. The application age for most credit cards is 18-60 years old. If your age does not meet the requirements, you will not be able to pass the review.

2. Card restrictions: Some special credit cards are issued for specific groups of people, such as student cards, female cards, etc. Those who do not meet special conditions cannot apply for the card.

3. Bad credit report: When applying for a credit card, the bank will definitely check the personal credit report. If there are bad records in the credit report, then the card application will definitely be rejected.

4. Insufficient assets: Some platinum cards have higher asset requirements for applicants, but ordinary office workers will be rejected because their asset level and income level do not meet the standards.

Extended information:

Notes:

The application form also needs to fill in a recommender. At this time, it is best to fill in a friend who holds a high-end card from this bank. Use this friend's reputation to increase your leverage when applying for a credit card.

The bank will review the information provided by the applicant and the applicant's credit, and understand whether the information is true. It will take about 15-20 days after the application is successful to receive the credit card. (Because the bank will issue the card after success, it will take time to send the card.)