The credit card was rejected for the following reasons:
First, the card information is not uniform. The main reason may be incomplete or unqualified information.
Second, bad credit. There are bad credit records, such as overdue credit card arrears and stains on personal credit information. I am afraid that you will have similar arrears next time, so I will not give you a wholesale credit card.
Third, Cardo is suspected of cashing out. Some friends, a person has a dozen or twenty credit cards, and the bank is afraid that you will cash out maliciously, so it will no longer handle credit cards for you.
Fourth, information fraud. For example, your information says that your company, the bank went to the company to check whether there is this person; Or the business manager you wrote, the company said you were just a clerk and so on. The bank may not approve it.
5. Some banks have a limited number of credit card approvals. Banks have rules that stipulate how many credit cards can be issued within a certain period of time, and the excess will no longer be approved for issuance, and some will postpone retrial.
Credit card is a credit certificate issued by commercial banks or credit card companies to qualified consumers. The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to the credit card that the issuing bank gives the cardholder a certain credit limit, and the cardholder can spend first and then repay. Quasi-credit card refers to a credit card in which the cardholder deposits a certain amount of reserve fund according to the requirements of the bank, and when the reserve fund is insufficient to pay, it can be overdrawn within the credit limit stipulated by the issuing bank.
Creditcard, usually called credit card, refers to a credit card that the issuing bank gives the cardholder a certain credit limit within which the cardholder can spend first and then repay. It has the following characteristics: consumption before repayment, interest-free repayment period (up to 56 days), minimum repayment amount, and repayment by installments when customers overdraw. Customers need to pay a certain annual fee to the bank they apply for, and each bank is different.
What are the reasons for the rejection of credit card applications?
The credit card application was rejected. If the application conditions have not changed, the probability of passing the application in a short period of time is very low. Generally, if you apply for the same bank credit card again within 3 months after being rejected, 90% will be rejected.
You'd better wait three to six months before applying. The first thing we should do is to comprehensively analyze the causes and then make targeted remedies. I sorted out several reasons why the credit card application was rejected. What are the reasons for the rejection of credit card applications?
1, the co-branded card is unqualified.
"Individuals who have reached the age of 18, have a stable source of income and a good credit record" are the basic conditions stipulated by banks for handling credit cards. If they are not satisfied, their credit card application will be rejected.
On this basis, different banks will have other special requirements on the conditions for handling cards. For example, the Bank of Communications stipulates that "to apply for an ordinary credit card, the annual salary before tax should be 24,000 yuan; To apply for a credit card gold card, the annual salary before tax should be above 80,000 yuan. " Women-only credit cards can only be applied by women, and the premise of all bank CET credit card applications is that they must have private cars.
2. The applicant's comprehensive score is not enough.
In addition, the bank will make a comprehensive evaluation with reference to the applicant's education, marital status, housing, work situation, income level, property status and other factors, and give a certain score. Only when the comprehensive score meets the requirements for card processing can the card be processed, otherwise it will not be accepted.
3. The applicant has a bad credit record.
Credit card is essentially a micro-credit product. In order to reduce the non-performing rate, banks will strictly control the new credit card customers. Applicants with bad credit records have a high risk of default, so they are likely to be rejected.
In addition, credit "white households" who have no credit record, that is, have never made loans or applied for credit cards, are also easy to be refused visas. This is because credit "white households" have no previous credit foundation, so it is difficult to win the trust of banks, and banks will strictly examine them.
4, dot restrictions
At present, most credit card applications need to be interviewed at bank outlets, and if the bank you apply for has no local outlets, the possibility of rejection will increase.
Because, in the process of bank audit, whether the applicant has a local bank outlet will also be considered, which involves the subsequent maintenance costs. Generally, there are more outlets of state-owned banks and relatively few outlets of commercial banks.
5. The choice of card type and bank is not suitable.
The choice of application card is particular. If your conditions are average, you should avoid choosing advanced cards such as platinum cards of the four major banks when applying, and you are likely to be rejected.
If you are an ordinary wage earner, it is best to choose an ordinary card or a gold card for the first time, so that the card issuance rate will be higher. At the same time, in the choice of banks, commercial banks can be considered first.
6. The information is wrong.
The credit card application form needs to be filled out carefully. Some card friends don't pay attention to filling in the information, thinking that they can just write it casually. This casual state has brought about the rejection of the card.
Looking at it from another angle, actually, filling out the form carefully is also the first step for you to show your integrity. At the same time, it is also to avoid accidents in the process of bank return visit, either I can't be contacted or all kinds of information are inconsistent.
7. Miss the phone call from the bank.
The bank will call to verify your information. Some banks may miss an answer once, resulting in the rejection of credit card applications. Pay attention to answering return calls, and don't refuse to listen to bank calls as harassing calls.
After the card is rejected, the bank will send a text message to tell the general reason, or consult the customer service staff of the issuing bank to understand the situation. If the information is incomplete, you can fill in the materials; If the credit status is not good, improve the credit first and then apply for a card.
What are the reasons for the rejection of credit card applications?
Credit card applications were rejected for the following reasons:
1. Maybe you have not reached the required age for credit card application, and the required age for credit card application is 18-60 years old.
2. It may be that the personal information in the submitted materials is wrong or inconsistent with the facts.
Maybe your income, occupation, capital and property are not enough. If your job is unstable and your income is low, the bank will think that you have insufficient repayment ability and will reject your application.
4. It may be that your personal credit is bad and you have a bad credit record such as overdue, then the bank will also reject your application.