What are the reasons for the rejection of the credit card application?

The reasons for the rejection of the user's credit card application are: frequent application for various credit businesses in a short period of time; Personal credit reporting is bad, and there are overdue records in the credit reporting; Personal debt ratio is too high and repayment ability is insufficient; No stable job and income; Do not meet the age conditions for applying for a credit card; The user has been blacklisted by the bank.

in the above situation, the user's application for a credit card will be rejected, and the user must solve the problem first, and then apply for a credit card. Repeated application will only lead to the waste of personal credit information.

what are the reasons for not applying for a credit card?

1. Age does not meet the requirements: Generally speaking, if the user is 18 years old or above, he can apply for a credit card. However, some banks or some card types have strict requirements, and the requirements are between 22 and 23 years old.

2. Too many credit cards have been applied: because users apply for loans or credit cards with their current credit standing, the bank will have an upper limit on the estimated amount. Assuming that multiple credit cards have been applied for in the bank and the credit line is close to the upper limit, it is easy to be rejected if you apply again.

3. Personal repayment ability is average: credit card debts are repaid every month, so it is natural to require users to have a stable source of economic income. It's very difficult to apply for the "three noes" who have no job.

4. Credit information: If the user has been seriously overdue or has a high personal debt, it can be seen in the credit information report, and the bank will refuse it for risk reasons.

here are the credit card channels for Ping An Bank, China Merchants Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for them yourself if necessary!

Credit card applications from China Merchants Bank and Ping An Bank

Credit card applications from China Everbright Bank and China CITIC Bank

Credit card applications from Agricultural Bank and Minsheng Bank.