1. Credit repair
No matter whether the credit card is overdue or illegal, it can be repaired. Friends of the credit card should not apply for a credit card in the past 3-6 months. Just swipe the bill through other credit cards to make the bank feel that you are not a person who is short of money. If the credit is overdue, it can be eliminated or bleached by special methods.
second, the importance of choice
whether it is a bank, a branch or a new choice is related to whether you can get off the card. For friends with better qualifications, you can choose to submit materials online to apply for a credit card, and the quota and pass rate are relatively high; For friends with general qualifications, you can choose to apply online. The relative amount is low, but the requirements are also low.
Secondly, choose the corresponding card type according to the individual's qualification, and generally choose the card type with a slightly lower grade. In addition, according to your own situation, choosing a bank application that is closely related to your own business can improve the card issuance rate. The lack of comprehensive score is difficult to solve in a short time, so we can only wait for one month and try to apply again. I want to remind you that you should never believe the forced words of the intermediary in case you are cheated of money and personal information. When you apply for repayment next time, you should try your best to apply for a loan by yourself and provide true and effective information; I must use my real-name registration system mobile phone number to apply, and it is better to have a certain usage record; Reduce your own debt and don't borrow too much from other financial institutions; Keep a good credit record, and don't appear overdue and other breach of contract. Because it adopts the mode of automatic system audit, in the case of insufficient comprehensive score, everyone can only wait with peace of mind and insist on improving their personal credit, and there is no other shortcut.
don't apply frequently: whether it's a credit card or an online loan, if the first application fails, don't apply for it for the second time, because multiple applications will worsen your credit record, and it will be difficult to apply for it in the future.
make up the overdue debt: if the previous loan or credit card is overdue, make up the debt as soon as possible, and then maintain a good repayment habit. Personal credit records can be restored after the debts are paid off to a certain extent.
Fill in real information: When applying for a loan, just remember to fill in your real information. If you are not qualified enough, you can pack it properly, but never fill in false information. There are many reasons for the lack of comprehensive score, but most of them are caused by their own circumstances, so it is very important to keep personal credit information good.