Because the user does not meet other application conditions or has a low overall credit score and has good credit, he cannot apply for a credit card. For example, if the age does not meet the requirements, there is no fixed job and income, and the debt ratio is too high, these reasons will lead to a low overall credit score of the user and the user is not eligible for credit card application. Therefore, after users fail to apply for a credit card, it is best to try to apply at intervals after meeting the credit card application conditions.

There are no problems with the credit check, but the credit card application keeps being rejected, these are very important:

Choose a bank

If you have no salary paid, no RV, no Bank deposits or financial management, then in the eyes of the bank, you are a dispensable user, because you are a blank without data, and the bank cannot observe your future development. At this time, we choose a bank to apply for a card. White families in commercial banks currently do not have good bank cards. Then starting from the four state-owned banks, as long as the four banks have bank savings cards, they will basically issue the card, depending on the amount. Both ICBC and Bank of China have a certain possibility of credit investigation problems, so let alone white families.

Choose the time to apply for a credit card:

Most credit card friends will receive a call from the branch manager of the Agricultural Bank of China. Because the number of credit cards of the Agricultural Bank of China cannot meet the requirements at the end of the year, it turns out that It’s difficult to place and collect the card. Then, the Industrial and Commercial Bank of China directly approved all the reduction requests for rejected card applications and then issued the credit cards. The amount is relatively low, but at least it's relatively low, but at least it's a credit card, isn't it? At the beginning and end of each year, as well as at the end of each quarter and the bank's new cards.

Choose a card type

The requirements for ordinary cards and gold cards are the lowest. If you don’t have any assets, don’t apply for a platinum card. You might reject it outright because you can’t meet the card’s minimum requirements. By default, the banking system rejects the purchase, which wastes the opportunity for credit investigation and review. There are also card types. Banks do not intend to issue individual cards. You were out of luck when you applied. Therefore, many credit card friends from Agricultural Bank of China and Minsheng Bank apply for two or three different types of credit cards at the same time.