The pass rate of online application for credit card (credit card) is not very high, because the personal data submitted by online application is very limited. Banks can only run the evaluation through the application materials filled out by users. If the information is incorrect or incomplete, it will undoubtedly lead to the failure of the audit. In addition, there are some users with average credit qualifications, and banks will also reject users' applications on the grounds of risk.

As for offline applications, in addition to the long review time, additional financial proof can be submitted, which is very helpful for credit card (debit card) approval.

Why can't I apply for a credit card online?

Credit card application fails every time, which may be due to the following reasons:

The reasons for the applicant's basic information, such as 18 years old, the occupation is restricted to bank credit cards, the information provided is not detailed, and the payroll information is not detailed;

Reasons for the applicant's credit information, such as repeated application, unstable work, poor credit record and poor contact with the applicant;

Other reasons, such as the contact person is unaware or unwilling to be a contact person, the applicant's health reasons, the contact person does not meet the requirements, etc.

You can analyze for yourself what caused the credit card application to be rejected, and then reapply. Note that the interval between repeated applications for the same bank credit card is preferably more than 3 months.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card issued by the bank, which gives the cardholder a certain credit limit, within which the cardholder can spend first and then repay. A quasi-credit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund according to the regulations. When the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Can I apply for a credit card online?

Online credit card applications are generally approved, but it is not difficult to apply for a credit card as long as the information you provide is true and effective and meets the conditions and requirements of the bank. Online credit card processing program: 1. Online booking application. Make an appointment online in advance to facilitate the next credit card processing. 2. Materials verified by bank personnel. After submitting personal information, you need to wait for the bank personnel to verify the materials before going further. 3. If the personal information meets the requirements, the bank staff will automatically contact you, or go to the door to apply for a credit card for you for free. Fourth, after these procedures are completed, you can wait for the bank to approve the card issuance.

Also, if you apply for a state-owned bank credit card, the review is slow. Not only your job and income, but also your property, car, etc. About 1 month. However, if it is a commercial bank, the audit is still relatively fast. High efficiency, as long as you have a stable job, it will become after verification, and you can apply for it in 15 days.

The introduction of the difficulties in online credit card application ends here.