Many users did not read the application conditions carefully when they applied for the card. Many credit cards have application conditions, such as student card, female card, membership card or age limit, which will directly lead to the rejection of card application.

2. Less application materials.

Applicants must pay attention to the authenticity and integrity of the application materials, which is an important basis for banks to approve cards. 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, you can submit the approval documents such as the purchase contract and vehicle driving license. If there are only simple materials such as a copy of the ID card, the probability of passing is very small.

3. Have 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.

4. The bank score is not up to standard

Banks use a scoring system to automatically score users. Only when the score specified by the bank is reached can the card be approved. If it is not reached, the card will be rejected. The user receives the notice that "the comprehensive score is insufficient and the card issuance is rejected", which refers to this score.

5. Encounter a black intermediary

Try to choose a formal banking institution when applying. Many intermediaries and some roadside card offices collect money to defraud money and user information, and cannot approve cards.

Credit card audit needs our comprehensive evaluation, and there are many main reference factors, such as age, work, income, education and so on. , as well as your card status, card usage in other banks or credit status in other institutions. The audit department of our bank will comprehensively score each applicant in all aspects, and those with insufficient scores cannot issue cards. Due to the limited information submitted through online channels, it is suggested that you can try to submit more financial information through the marketing center, which will be more conducive to issuing cards.

It usually takes nearly 30 days for Minsheng Bank to apply for a credit card, including a series of processes such as filling in the application form, reviewing and making cards.

1, it needs to be sorted and submitted when filling out the form, which takes 3 days;

2. After the information is in place, there will be nearly two weeks of review time;

3, after approval, there are 3 days of business card printing time; After successful business card printing, you will receive an email within 10 days.

Therefore, the credit card application time of Minsheng Bank is generally about one month.