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Why the credit card approval was not approved?

The bank will review the credit card when applying, and only users who pass the review can successfully activate and use the credit card. The following are the reasons for failure of credit card review:

1. Age limit: You must reach the specified age to apply for a credit card. The application age for most credit cards is 18-60 years old. If your age does not meet the requirements, you will not be able to pass the review. .

2. Card restrictions: Some special credit cards are issued for specific groups of people, such as student cards, female cards, etc. Those who do not meet special conditions cannot apply for the card.

3. Bad credit report: When applying for a credit card, the bank will definitely check the personal credit report. If there are bad records in the credit report, then the card application will definitely be rejected.

4. Insufficient assets: Some platinum cards have higher asset requirements for applicants, but ordinary office workers will be rejected because their asset level and income level do not meet the standards.

The accurate credit card review time is generally completed within 15 working days, but the credit card review time of different banks is different. For example, the Agricultural Bank of China credit card review time is about 20 working days, while The review time for China Merchants Bank credit cards is generally 7 to 14 working days.

If you want to improve your credit card review speed, you can do it as follows:

1. Before applying for a credit card, you must maintain good credit. Because the bank will definitely check the personal credit report. If there is a bad record on the credit report, it will definitely affect the speed of your credit card application;

2. Provide true and valid information, and do not make any false claims. Because the bank's review is very strict, it will definitely be found out. Once found out, your credit card application may be rejected;

3. The review time for applying for a credit card online is shorter than applying at a business office. , because when applying online, the user's information is submitted directly to the credit card center, but when applying at a bank branch, the staff still needs to submit it for you, which wastes a lot of time;

4. Submit more proof of property, such as Real estate, cars, etc.