Huaxia Bank's credit card application was rejected, which may be due to insufficient comprehensive score. When applying for a credit card, comprehensive scoring means that the bank uses a fixed scoring system to evaluate the applicant's comprehensive credit according to the information provided by the applicant. There are many factors that affect the comprehensive score, including marital status, technical title, work, economic ability, personal housing, credit record, education and so on. All the scores add up to get the so-called comprehensive score.
The solutions for insufficient corresponding scores are as follows:
1, personal monthly income: this item can be filled in a little higher. But not too much, which is related to the applicant's quota.
2. Education: Bachelor degree or above, and the success rate of getting a card is high.
3. Work situation: If there is no job for the time being, it is recommended to apply for a job after 6 months. Without a job, it is difficult for banks to approve cards.
4. Dishonesty: If the cardholder has a record of overdue repayment, it is recommended to pay off the arrears, and then continue to cover the bad credit record with the card, and apply for a credit card again after 24 months.
After the card is rejected, it is recommended to reapply in another bank, but don't apply for the same credit card repeatedly in the same bank. In addition, if your financial situation or application conditions have not changed significantly, you can apply again after 3-6 months to increase the possibility of success.
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