What to do if the credit card review fails? Find out the reason for rejection before applying again.

Many people are at a loss when their card application is rejected. The bank cannot give the reason for rejection. , and I have no idea where to start. What should I do if the credit card review fails? Find out the reasons for rejection of card application from the following and improve them. Successful application for card is not a problem. However, we also remind everyone not to rush to apply for a card again after being rejected. Regarding how long it takes to apply again after failing the credit card review, it is necessary to make a detailed analysis based on the reasons for rejection.

1. Common reasons for failure in credit card review

1. The applicant has a bad credit record

2. The applicant’s occupation is inconsistent

3. The applicant has low income

4. Short working experience

5. Apply for too many cards

6. Does not meet the application conditions

2. Tips for successfully applying for a credit card

What should I do if the credit card review fails? Come and help.

1. Avoid the common reasons for card rejection above

2. Try to provide detailed information when applying for a card

3. Choose a card that suits your conditions kind

4. Choose a bank with low application threshold and easy to apply for a card

5. Choose an application method that is easy to apply for a card

3. How long does it take to pass the credit card review? Apply again

It is recommended that cardholders should not apply for the card again in a short period of time. If you are not in a hurry to use the card, the longer the interval between application rejections, the better. If you need to use the card urgently, you must also meet the card application conditions. Do not apply blindly, otherwise failure to pass the credit card review will be an inevitable result.

If the credit card review fails because of unstable work, wait until you find a stable job before applying. Generally, the working experience recognized by banks must be at least half a year; because cardholders with poor credit reports will have to wait. 5 years, and then apply again after the credit record is cleared; if there is no problem with the qualifications of the card applicant, you can try to apply from another bank, but it is best to wait for more than 3 months. Frequent applications are not beneficial.

What should I do if my credit card application always fails?

The application for credit card always fails, which is nothing more than a problem with the credit report, so you need to improve your credit report and increase the approval rate.

Reasons for failed credit card application:

1. Having bad credit record

After receiving the credit card application, the bank will check the applicant’s credit through the credit reporting platform Record. If you have a good credit history, you are more likely to be approved for a credit card.

2. Does not meet the card issuance conditions

Many credit cards have application conditions, such as student cards, female cards, membership cards or age restrictions. These problems will directly lead to the rejection of the card application. .

3. The application limit is too high

If you apply for a credit card from a relevant bank for the first time, the limit will not be too high. First, the bank does not evaluate you enough, and an initial application limit that is too high can easily be rejected; on the other hand, an excessively high limit can easily make the bank mistakenly think that you are short of money, thus labeling you a high-risk person and making it more difficult to make a payment.

4. Unsatisfactory bank score

Banks use a scoring system to automatically score users. Cards can only be approved if they reach the score line set by the bank. If the score is not reached, the card will be rejected. The notice "Card issuance refused due to insufficient comprehensive score" received by the user refers to this score.

5. Insufficient application information

Card applicants must pay attention to the authenticity and completeness of the application information, which is an important basis for the bank to approve the card. This information is especially important when applying for a credit card for the first time.

What information is required to apply for a credit card:

1. The main card applicant must be between 18 and 60 years old (overseas residents are between 25 and 60 years old);

2. A copy of the front and back of the ID card is required; military personnel are required to provide a copy of the military ID card; foreigners can use their passport and residence permit or employment permit; Taiwanese can use Taiwan Compatriot Permit and Employment Permit; Hong Kong and Macao people can use Home Return Permit and Employment Permit. / Residence permit;

3. It can be the original work certificate issued by the employer (indicate the specific company name, department, position and income, and stamp the company seal or personnel seal), or it can be promoted A copy of the work permit/plate that has been verified by the original and marked by the employee;

4. It can be a salary record issued by the bank, or an income tax withholding voucher, or a copy of the real estate certificate/car driving license/bank time deposit certificate Files, etc.; for example: social insurance personal account list in the past 6 months, water and gas bills, credit card bills from other banks, etc.

What to do if your China Merchants Bank credit card application fails to pass the review?

When applying for a credit card and failing to pass the review, you can improve the pass rate by modifying the following information:

1. Annual income: This is an important criterion when issuing a salary certificate. You can ask your supervisor to increase your salary appropriately, but of course not too high.

2. Position: Your position in the company directly affects the successful application for a credit card. It is easier for managers to apply than for ordinary employees.

3. Housing: It is easier to successfully apply if you own a house than living with your parents, or renting a house and a dormitory in the workplace.

Credit Card (English: CreditCard), also called credit card. It is a non-cash transaction payment method and a simple credit service.

Credit card refers to a credit card issued by a bank and gives the cardholder a certain credit limit, and the cardholder can consume within the credit limit and then repay;

Quasi loan A debit card refers to a quasi-credit card issued by a bank. The cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient for payment, a quasi-credit card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

This is the end of the introduction about what to do if the credit card is not approved and the application is not approved. I wonder if you have found the information you need?