After all, banks will evaluate various aspects when approving credit cards, including age, education, marital status, residential address, work unit, income level, liabilities, repayment ability, assets and credit status.
If there is a credit problem and there are bad records in the credit investigation, then only after that can you take good care of your credit, and when your personal credit is improved, the new good records will gradually cover the old bad records. After the credit information is repaired, you can apply for a credit card.
If there are too many credit cards and loans in your name, resulting in high personal debt ratio, you can try to pay off the debt first or pay off part of it first, and then apply for a credit card after reducing the debt ratio.
Also, if the bank is worried about its insufficient repayment ability because of its low economic income, then if it has additional assets, it can provide the bank with proof materials in this regard. When applying for a credit card, you should also consider whether the level of assets and financial resources required to handle the card is consistent with your own economic income, and don't blindly pursue the high level of credit cards.
You can click Query in "Changbai Data" and enter information to query your credit data. The query results will show important data information such as personal credit status, network black index score, blacklist, online loan application record, application platform type, overdue, overdue amount, credit card, estimated online loan credit amount, etc.
Extended data:
Is it normal for online loan big data to be updated once every few months?
Online loan big data will be automatically cleaned up every three months. As long as users repay their debts on time or pay off their overdue debts in time, the normal repayment records and overdue records will be cleared once every three months.
If the overdue debt is not paid off, the normal repayment record will be cleared every three months, and the overdue record will be kept in the online loan big data. As long as there are no long-term loans caused by overdue records and frequent applications in the user's online loan big data, then the user's online loan big data is good and will not affect the user's subsequent application for online loans.
Be careful not to trust some people who claim to help you clean up big data. Online loan big data can only be optimized and no one can clean it up.