What does the Agricultural Bank of China credit card comprehensive score refer to? Every time you raise the limit, the comprehensive score is insufficient

The comprehensive score of Agricultural Bank of China's credit card is the bank's evaluation of your comprehensive credit using a fixed scoring system based on the information provided by you. The factors that affect the comprehensive score are: Many factors include marital status, technical title, job, financial ability, personal housing, credit record, academic qualifications, etc. The sum of all scores is the so-called "comprehensive score".

If the nature of the work unit is a public institution/government agency, it is worth 3 points, then some occupations with unstable income may only have 1 point; those who are married may be worth 2 points, and those who are unmarried may be worth 1 point.

So, when you submit the information to the bank when applying for a credit card, the bank will give an evaluation of your information, and this evaluation is the "comprehensive score." The reason why many cardholders are rejected when applying for a credit card is because of insufficient “comprehensive score”.

Five reasons why the Agricultural Bank of China credit card application is not approved

Does not meet the card issuance conditions

Many users do not carefully read the application conditions when applying for a card. Many credit cards have application conditions, such as student cards, membership cards, or age restrictions. These problems will directly lead to the rejection of the card application.

2. Few application materials

Card applicants must pay attention to the authenticity and completeness of the application materials, 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.

For example, if you have a house and a car and can submit a house purchase contract, vehicle driving license, etc., the probability of approval is greater; if you only have simple materials such as a copy of your ID card, the probability of approval is small.

3. Have a bad credit record

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

4. Bank scores are not up to standard

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. Encounter rogue intermediaries

When applying, try to choose a formal bank institution. Intermediaries that collect money to apply for cards and some roadside card application points are often used to defraud money and user information, and Card cannot be approved.

What is the overall score of a credit card? Why is the overall score when applying for a credit card insufficient?

The so-called comprehensive score when applying for a credit card refers to the things you fill in when filling out the application form: nature of the unit, education, housing status, annual salary, marital status, number of dependents, etc. The bank has a computer score system, after the reviewer enters your information into the computer, the computer automatically calculates points based on the above situation. For example: if the doctorate degree is three points, then the graduate degree is two points, and the undergraduate degree is one point; another example: married is one point, and unmarried is zero points. If you are married and have 1 dependent, one point will be added to the final score given by the computer, and then the bank has a standard, such as:

From zero to 50 points, rejection is recommended;

If the score is above 50 points, it is recommended to be approved for a regular card;

For a score of 80 or above, it is recommended to be approved for a gold card.

The above is just an example, and banks do not implement this standard. Moreover, the scoring standards of each bank are different. It is possible for an applicant to encounter an insufficient comprehensive score in a certain bank, apply for a credit card from another bank with the same information, and get a gold card. In addition, some bank card approval rights are vested in the head office, while others are in local branches. Local policies make the overall credit card scoring details unpredictable.

So, is the score given by the computer the comprehensive score when applying for a credit card? Does an insufficient overall score mean that this score is not enough? Not really. With your ID card number, the bank will check your social security situation to estimate your salary status; it will also check your credit report with the People's Bank of China; in addition to filling out the credit card application form, you may also submit real estate and professional qualifications These banks will check for proof of financial resources and personal abilities such as certificates.

If the conditions found to be inconsistent will result in the card being rejected. Although the above has nothing to do with the overall score, there is only one reason you get in the end, the personal overall score is insufficient.

There are also some special circumstances, such as if you have not received a credit reference call several times, it may also lead to rejection. Why don't you ask customer service again? The answer from customer service will not say that your credit report call was not received. Their answer is the same: the overall score is insufficient. [img]

What is the comprehensive score of a credit card? How to inquire?

To put it simply, "comprehensive score" is a comprehensive quantitative assessment of the borrower's qualifications carried out by the big data risk control system. There are many factors that affect it, such as the borrower's mobile phone. Number, sesame score, marital status, job position, income level, academic degree, credit qualification, etc. These scores are added together. Only when you meet the comprehensive score standard, you will have a high chance of getting a loan. Otherwise, you will be rejected. outside the door.

You can check your own big data credit report.

Just open WeChat and find: Raindance Quick Check. Click Query and enter information to query your own credit data. This data comes from more than 2,000 online loan platforms and UnionPay centers across the country. Users can query their own big data and credit status, and obtain various indicators. Your own personal credit situation, Internet black index score, blacklist status, online loan application records, application platform type, whether it is overdue, overdue amount, credit card and online loan credit limit and other important data information.

This is the end of the introduction about what is the comprehensive score of a credit card and what is the comprehensive score of applying for a credit card. I wonder if you have found the information you need?