The four major banks are China Industrial and Commercial Bank, China Agricultural Bank, China Construction Bank and China Bank. ICBC is called "the first bank in the universe" by card friends and has a strong background. It does not rely on issuing credit cards (debit cards) to maintain the operation and development of banks, and the rights of credit cards (debit cards) are relatively strong. Therefore, the bank audit will be more stringent.

However, ICBC's credit card (debit card) is not absolutely difficult. It is still possible to apply for a high-star credit card (debit card) in ICBC, which meets the basic conditions for applying for a credit card (debit card). It is easier to handle ordinary cards and gold cards, but it is relatively difficult to handle high-end cards.

I applied for a credit card in ICBC, but the audit failed. Why?

ICBC failed to pass the credit card examination because the applicant had a bad credit record.

After receiving the credit card application, the bank will check the applicant's credit record through the credit information platform. If the credit record is good, the credit card is more likely to be approved. If my own conditions are good, it is also possible that the materials submitted when I applied for ICBC did not fully show my personal situation, which led to the failure of my application. In this case, the applicant can call the bank's credit card customer service to ask for re-examination, or provide more reference materials to the bank. The domestic personal credit information system is not perfect, and all banks pass internal evaluation when reviewing credit cards.

ICBC's credit cards are introduced as follows:

There will also be differences in the setting of standards. You can try another bank. If you want to reapply for this bank and don't want to attach any more information at present, you can reapply six months after the initial application.

Internal credit rating system of China Industrial and Commercial Bank. A score below 700 is concerned, that is, it has entered the gray list, and a score above 700 is normal. The main reason for deducting points is that cards have been handled frequently recently, and there are too many inquiries in these two monthly newspapers. Deduct a certain score for each inquiry, and apply for each bank card several times in a short time.

Compared with commercial banks, ICBC's credit card approval will be relatively strict, which is normal. In addition, everyone's credit line is fixed. If your credit card has run out of credit limit, you can't apply for a new credit card.

If it is not the above problem, you can see if your conditions are flawed. There are many factors that affect credit card review, including work, income, stability, personal credit and so on.

If my own conditions are good, it is also possible that the materials submitted when I applied for ICBC did not fully show my personal situation, which led to the failure of my application. In this case, the applicant can call the bank's credit card customer service to ask for re-examination, or provide more reference materials to the bank.

In addition, the domestic personal credit information system is not perfect, and all banks will pass the internal evaluation when reviewing credit cards, and the standard setting will be different. You can try another bank. If you want to reapply for this bank and don't want to attach any more information at present, you can reapply six months after your first application.

Different banks have different credit card application standards. You can try another bank.

If the credit card is not approved, you can call the bank first to ask why the credit card is not approved. Don't choose to apply again after the credit card expires without knowing the reason. But this did not change anything, but led to many rejections.

If you know your own situation, you can choose other banks to apply. If the work income is low, or personal credit is tainted, it will really affect the success or failure of applying for a credit card. But different banks have different requirements for applicants, high or low. You can try to apply at other banks.

Reasons for the failure of ICBC's credit card application

There are many reasons why ICBC's credit card application can't pass. For example, the information submitted by the user does not meet the requirements of the bank; It is also possible that the card selected by the user does not meet the requirements of the bank, such as student card, female card, membership card, etc., and needs to be applied by a specific group of people.

The reason for the failure of ICBC's credit card application may also be that personal credit is tainted. If the personal credit is not good, it is very likely that the bank will refuse to issue cards. After all, no bank is willing to issue credit cards to users who are not trustworthy. It should be noted that bad credit information cannot be changed in the short term.

The reason for the failure of ICBC's credit card application may also be that the user has a lot of debts. For example, the user has applied for a loan and has multiple credit cards. At this time, the burden of returning the arrears will increase. As a precaution, banks will refuse to issue cards. If a better proof of property is submitted, the bank may issue a card.

When the credit card application fails, users can call the bank for consultation, so that they can know the specific reasons. After the credit card application is rejected, it usually takes more than one month for the user to resubmit the application. However, when changing banks, users can submit application materials immediately without interval.

Why is the application for ICBC credit card rejected?

The first reason is that banks will carry out credit card business in the cardholder's area in the future. Even if there are big state-owned banks, there are places where they can't lay business. In some remote areas or township areas, banks have not yet launched credit card issuance business. If users in this area apply for credit cards, they will probably be rejected because there are no bank outlets in this area to support credit card services and repayment, which is very inconvenient.

The second reason is the low income. If the cardholder's income certificate is too low, it will also affect the success rate of credit card application.

The third reason is a bad credit record. It will be very difficult for the cardholder to apply for a credit card again if his previous credit card is overdue or the loan repayment is overdue and recorded in his personal credit record.

Reason 4: Banks applying for credit cards for the first time will be more cautious when approving cards for applicants who have not used credit cards for the first time before.

The fifth reason is the applicant's occupational restrictions. For example, physical cardholders are engaged in some relatively unstable jobs, such as sales staff, and other banks will refuse to apply for cards because they are not sure whether the applicant can repay on time.

Extended data

Credit card application:

1. In most cases, citizens with full capacity for civil conduct (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.

2. The object of applying for a credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.

3. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

4. The application method is generally to fill in the credit card application form. The contents of the application form generally include the applicant's name, basic information, economic status or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

5. The credit card contract is attached to the application form, and the applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit a statement on the authenticity of the information and the issuing bank's privacy protection policy. , and must have the applicant's autograph.