How to check the reason for credit card rejection

First, no, the reason for credit card rejection cannot be checked. You can analyze your own reasons and then apply again after a period of time. Under normal circumstances, the rejection of a credit card application is mainly caused by the applicant's personal reasons. It may be that a certain aspect of personal qualifications cannot meet the standards, resulting in a comprehensive score that does not meet the bank's requirements, so the credit card application is rejected.

Second, the possible reasons are:

1. The application information is incomplete; the applicant did not provide basic documents; the documents provided by the applicant do not meet the acceptance standards.

2. The applicant is engaged in the restricted promotion industry of credit card issuance; the applicant’s age, working experience, salary income or other financial resources do not meet the prescribed card issuance standards; the applicant for the supplementary card and the applicant for the main card have The relationship does not meet the requirements; the applicant’s income, work and other comprehensive factors are unstable, the risk is high, etc.

3. The applicant has a record of malicious overdrafts or loan arrears in other banks; the applicant has a record of unpaid water, electricity, gas or telephone bills; the applicant is in litigation or in the public security bureau Have bad records and so on.

4. The applicant forged information or provided false information; anomalies were found during the credit review process (the applicant has resigned or is not his signature); the applicant does not exist, or applied by pretending to be someone else; application High-risk customers, etc.

5. Submit the application repeatedly, or the applicant himself cancels the application, etc.

1. If you want to apply for a credit card, you need to meet the following conditions before applying:

1. Whether you meet the requirements of the bank for issuing a credit card;

2. Aged between 18 and 65 years old;

3. Have a stable career and income;

4. Have good credit and pay interest on time Ability;

5. Natural persons with full capacity for civil conduct (robots, vegetative persons, minors, and mental patients to a certain extent are not allowed).

Second, if you have not met the conditions for applying for a regular credit card, you can apply for an additional card through your parents or spouse. To apply for an additional card, you must meet the following conditions:

1. Have Natural persons with full capacity for civil conduct or limited capacity for civil conduct;

2. Over 13 years old;

3. Supplementary card applicants under 16 years old must provide household registration book when applying a copy.

How do I know why my credit card was not approved? How can I check the reason?

If the credit card application fails, you can call the bank customer service to find out the reason.

Common reasons for refusing to issue a card are:

1. The repayment ability is not stable enough;

2. The bank’s credit card business is not a target customer;

3. There is a bad personal credit record;

4. There are too many credit cards and the comprehensive credit limit is too high;

5. There are no local branches, etc.

The review standards of banks are also different. Different banks may have different results for the same information, which does not rule out the factor of luck.

Extended information:

How to successfully apply for a credit card:

First of all, you must fully prepare various asset certificates.

When applying for a credit card for the first time, it is necessary to provide sufficient proof of assets, such as income proof, house ownership certificate, mortgage purchase certificate, car ownership certificate, bank deposit certificate or securities certificate, etc.

Secondly, fill in the application form carefully.

Generally speaking, the following aspects on the application form will affect the bank’s credit evaluation score of the applicant:

1. Whether there is a fixed telephone number in this city (have a local telephone number) The city's fixed telephone number indicates that the applicant's place of residence is stable);

2. Whether you are married;

3. Whether you have a household registration in this city;

4. Whether you have Housing;

5. Education level;

6. Nature of work unit;

7. Position status.

Baidu Encyclopedia - Measures for Supervision and Management of Credit Card Business of Commercial Banks

How to check the reason for credit card rejection

You can check the reason by dialing the manual customer service number of the bank where the card was issued. . After the online customer service informs the user of the reasons for rejection, the user will only be able to apply for a credit card again after solving the problem, in order to be approved. Otherwise, users can only see the progress of applying for a credit card through personal inspection, but cannot see the actual reasons for failure. Generally speaking, most users do not meet the credit card application standards and are therefore rejected. Only a very few users meet the credit card application standards, but their personal credit qualifications are average or weak. At this time, the bank may reject the user's application out of risk control considerations.

Reasons for credit card rejection:

1. Having a bad credit record. After receiving a credit card application, the bank will check the applicant's credit record through the credit reporting platform. If you have a good credit history, you are more likely to be approved for a credit card.

2. Does not meet the card issuance conditions

Many users do not carefully read the application conditions when applying for a card. Many credit cards have application conditions, such as student cards, female cards, membership cards, or age restrictions. These problems will directly lead to the rejection of the card application.

3. Few application materials

Card applicants must pay attention to the authenticity and completeness of the application materials, which is an important basis for the bank to approve the card. This information is especially important when applying for a credit card for the first time.

For example, if you have a house and a car and can submit a house purchase contract, vehicle driving license, etc., the probability of approval is greater; if you only have simple materials such as a copy of your ID card, the probability of approval is small.

4. Bank scores are not up to standard

Banks use a scoring system to automatically score users. Cards can only be approved if they reach the score line set by the bank. If the score is not reached, the card will be rejected. The notice "Card issuance refused due to insufficient comprehensive score" received by the user refers to this score.

5. Encounter rogue intermediaries

When applying, try to choose a formal bank institution. Intermediaries that collect money to apply for cards and some roadside card application points are often used to defraud money and user information, and Card cannot be approved.

You may have failed to apply for the card due to the above reasons, so it is recommended that you prepare the materials again and apply again six months later.

How to check the reason why a credit card application was rejected?

Generally, it cannot be queried. Reasons for failed credit card application:

1. Inconsistent information: The application information is incomplete; the applicant does not provide basic documents; the documents provided by the applicant Does not meet acceptance criteria.

2. Incompatible qualifications: The applicant is engaged in the restricted promotion industry of credit card issuance; the applicant’s age, working experience, salary income or other financial resources do not meet the required card issuance standards; the applicant for the supplementary card and the principal card The applicant's relationship does not meet the requirements; the applicant's income, work and other comprehensive factors are unstable and the risk is high, etc.

3. Credit inconsistency: The applicant has a record of malicious overdrafts or loan arrears in other banks; the applicant has a record of unpaid water, electricity, gas or telephone bills; the applicant is in litigation or Have a bad record in the Public Security Bureau, etc.

4. Risk groups: The applicant forges information or provides untrue information; anomalies are found during the credit review process (the applicant has resigned or is not his or her signature); the applicant does not exist or pretends to be someone else. Apply; the applicant is a high-risk customer, etc.

5. Other reasons: repeated application submission, or the applicant himself cancels the application, etc.

How to check the reason why a credit card application was rejected?

Currently there is no way to directly check the reason for rejection. Although the credit card application is usually rejected due to the applicant, the bank will not directly give the reason for the rejection. Instead, the applicant needs to check the common reasons for rejection, and then compare them with the actual situation of the individual to find out the possible reasons. Reason for rejection.

So applicants can analyze their possible problems based on common reasons for rejection, and consciously avoid them the next time they apply.

Extended reading:

The common reasons for rejection of credit card applications are as follows:

1. The application information is incomplete; the applicant does not provide basic information Documents; the documents provided by the applicant do not meet the acceptance criteria.

2. The applicant is engaged in the restricted promotion industry of credit card issuance; the applicant’s age, working years, salary income or other financial resources do not meet the prescribed card issuance standards; the difference between the supplementary card applicant and the main card applicant The relationship does not meet the requirements; the applicant’s income, work and other comprehensive factors are unstable, the risk is high, etc.

3. The applicant has a record of malicious overdrafts or loan arrears in other banks; the applicant has a record of unpaid water, electricity, gas or telephone bills; the applicant is in litigation or in the Public Security Bureau Have bad records and so on.

4. The applicant forges information or provides false information; anomalies are found during the credit review process (the applicant has resigned or does not sign in person); the applicant does not exist, or applies by pretending to be someone else; application High-risk customers, etc.

5. Submit the application repeatedly, or the applicant himself cancels the application, etc.

Quoted from: What are the reasons for being rejected when applying for a credit card?

Reference material: Baidu Encyclopedia entry: Credit card

This is the end of the introduction on how to check the reason for credit card rejection and how to check the reason for rejection of credit card application. I don’t know what you learned from it. Did you find the information you needed?