How to solve the problem of insufficient comprehensive score when applying for a credit card? Try this!

When applying for a credit card, the bank will use fixed evaluation criteria to make a comprehensive evaluation of the applicant based on the information provided by the applicant. If the comprehensive score is insufficient, the application will not be successful. So how to solve the problem if the comprehensive score of applying for a credit card is insufficient? Let’s find out together.

How to solve the problem of insufficient comprehensive score when applying for a credit card?

If you want to know how to solve the problem of insufficient comprehensive score when applying for a credit card, you first need to figure out where the problem is, and then you can prescribe the right medicine to solve the problem.

Reason 1: The applicant has insufficient repayment ability

If the applicant does not have a stable job or the personal debt ratio is too high, the bank will consider that the applicant has insufficient repayment ability and the loan is overdue. It is more likely that the application will be rejected.

Solution: Borrowers can try to provide more proof of financial resources, such as real estate certificates, claims and other assets, to show their ability to repay; settle part of the loan in advance to reduce personal debt ratio; you can also choose Those who apply for a bank with which they have business dealings, or deposit some funds in the bank, can increase the card application rate.

Reason 2: The applicant’s credit report is poor

If the applicant has overdue loans on his credit report or has a high number of hard credit inquiries, the bank will consider that the applicant’s personal ability to perform the contract is insufficient. Flow is nervous and unwilling to play the card.

Solution: If there is an overdue credit report, the borrower should settle the overdue loan in a timely manner, see if a non-malicious overdue certificate or settlement certificate can be issued, and actively demonstrate his willingness to repay and not malicious overdue loans.

If the credit score is poor, then in the past six months, it is recommended that applicants do not rush to apply for credit cards or loan products, and wait until the credit score is improved before applying.

Reason 3: The applicant’s information is inaccurate or the information is false

If the applicant submits incomplete application materials, wrong information, or provides forged information, the approval will not be passed .

Solution: Applicants must provide complete and valid application materials. Proof of income, employment certificate and other materials must be stamped with official seals. Do not falsify information. Make sure someone answers the call and the information must be consistent. .

The above is the answer to how to solve the problem of insufficient comprehensive score when applying for a credit card. You can compare it to see where you have problems and make up for it yourself.

What does it mean to apply for a credit card with insufficient comprehensive score

Insufficient comprehensive score when applying for a credit card means that the applicant does not meet the application conditions for a credit card. The applicant’s credit card application has not failed the review. The bank The card will not be released. The so-called comprehensive score means that the bank uses a fixed scoring system to conduct a comprehensive credit evaluation of the applicant based on the information provided by the applicant.

Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to consumers with qualified credit. It takes the form of a card with the issuing bank's name, validity period, number, cardholder's name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially designated commercial service departments, and then the bank will settle the accounts with merchants and cardholders. Cardholders can overdraft within the prescribed limit.

Credit cards stipulated in the relevant laws of our country ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions with the functions of consumption payment, credit loans, transfer settlement , cash deposit and withdrawal and other full or partial functions of the electronic payment card. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is CreditCard.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date (BillingDate).

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Starting from January 1, 2021, the credit card overdraft interest rate will be determined independently by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of credit card overdraft interest rates will be cancelled. The daily interest rate is 0.7 times 5/10,000).

On May 25, 2021, the Supreme People’s Court issued and implemented the “Regulations of the Supreme People’s Court on Several Issues Concerning the Trial of Bank Card Civil Cases”.

Credit cards originated in the United States in 1915. The earliest institutions to issue credit cards were not banks, but department stores, restaurants, entertainment industries and gasoline companies.

Can I still apply for a credit card if my comprehensive score is insufficient?

I believe that many cardholders will always receive text messages that they will be rejected due to insufficient comprehensive score, whether they are applying for a credit card or raising a credit limit. , what is the reason that causes our overall score to be insufficient? , today Xiao Qin will share with you how to improve your overall score, so that our credit card applications and limit increases will no longer be rejected!

1. Reasons for insufficient comprehensive score

1. Insufficient credit score

Bad records not only refer to overdue records, too many application records, too high Debts, including public information on your credit report, etc., will affect your comprehensive score. There are 11 categories on the credit report that affect the comprehensive score. The specific length is long and is not here. For detailed explanation, if card friends want to know, you can consult Xiaoqin’s WeChat, and there are online live courses to learn systematically.

2. Insufficient personal information score

When applying for a credit card, in addition to scoring you through the information on your credit report, the bank also has another important part that you fill in There is a "uniformity" requirement for personal application information. If every time you apply for a credit card, it is very different from the information on your credit report, the bank will judge you to be "unstable" and refuse approval on the grounds that the comprehensive score is insufficient. ; In addition, it is also very important to be "reasonable + truthful" when filling in the information. It does not mean that you cannot package it, but you must package it reasonably according to your own conditions, otherwise it will be counterproductive. This is also the reason why everyone should not find someone to do it for them. It is easy to mess up your own. personal information.

3. Insufficient bank contribution

This is also a key point in the overall score. In addition to your credit report and personal application information, each bank will also look at your contribution to the bank. Degree is also an important factor in assessing your overall score; turnover, provident fund, large property certificates, funds, deposit certificates or policy notes are all your contributions to the bank. If you don’t have any of them, your score in this aspect will be 0, so The application is easily rejected due to insufficient comprehensive score, or the card limit is low. This is also the main reason why most cardholders directly apply for a credit card without making preparations and are rejected.

4. Personal debt affects the score

Generally, cardholders who hold more credit cards or have more credit can easily lead to a comprehensive score due to excessive debt when applying for a credit card. The reason for rejection is because the total credit limit is too high, and the other is because of the instability caused by high debt, especially when all the credit cards under the name are used up. In this case, the debt ratio is extremely high, which greatly affects the overall score; < /p>

It is recommended that all cardholders keep at least 20% of the credit limit in each new card to keep the credit debt within a reasonable range

2. Methods to improve the comprehensive score

1. Create a perfect credit report

The most critical point in creating a credit card is "credit report". Whether you are applying for a card or raising a credit limit, credit report is the foundation. If you have a bad credit record, you want to raise the limit. It is impossible. For example, some cardholders saw a pre-approval limit at the bank, but were rejected when they applied. The reason is that there is a problem with the credit report. Not only is it overdue, even if there are many credit inquiries and high debt, it will affect the application. Cards and credit extensions, so if you shape your credit report well, your overall score will naturally go up.

2. Correct consumption method

Why should we talk about the correct consumption method? Because many cardholders now always choose to change the rate when using the card in order to take advantage of it. Spending in low-cost ways, such as scanning QR codes to pay, or using some low-rate machines, may appear to be saving you credit card fees, but in fact the bank’s fee income is also reduced, so you don’t let the bank make money. , will the bank give you a higher limit? The answer is self-evident, so choosing a fixed machine with a 0.6% rate uniformly stipulated by UnionPay and making "swipe card" purchases can also improve the overall score.

3. Special consumption methods

One of the special consumption methods mentioned here is ++ consumption, and the other is insufficient balance. Among them, the combination of ++ consumption + insufficient balance is preferred. Best, as long as it is real ++ consumption, it can greatly improve our overall score. Because ordinary people cannot easily do it, banks prefer it. Secondly, insufficient balance is also a way to prove that we have higher consumption needs. , if the purchase is from a high-end merchant, it will be helpful to increase the limit

How to solve the problem of "insufficient comprehensive score" when approving a credit card?

Insufficient comprehensive score when applying for a credit card, this is a problem we often encounter.

Insufficient comprehensive score for credit card application is divided into online credit card application and offline credit card application. Whether online credit card application is due to the applicant's high debt or credit problem, all rejection reasons are due to insufficient comprehensive score.

The problems seen by the bank when applying for a credit card offline are more detailed. The reasons for rejection are: inconsistent credit report, no bank, high debt, prohibited industries, failure to meet card issuance conditions, and insufficient comprehensive score. . The lack of comprehensive ratings seen on offline banks can actually be changed.

Insufficient comprehensive ratings refer to the comprehensive ratings given by each bank based on different customers. However, all banks have similar insufficiencies in comprehensive ratings. The following uses five dimensions to explain the insufficient comprehensive ratings and how to solve them.

1. Fill in the address

Whether it is a home address or a work address, you must write the province, city, and county, and be accurate to the town, village, road, and number.

Municipality directly under the Central Government is a city, district (county), town, village, road, or number.

The purpose of having an accurate address is so that the bank can clearly find the applicant's location during a return visit, and also to prevent the bank from successfully finding the customer's location if the customer who applies for a credit card overdues later.

Solution: Fill in the address accurately.

2. Fill in the contact person:

When applying for a credit card, you need to fill in the contact person. Try to choose a direct relative or a colleague when filling in the contact person. Immediate relatives are parents or spouses. Don't write all friends or colleagues. If the contacts are all friends or colleagues, the overall score will be lowered.

Fill in direct relatives to prove that you have a family. People with families are more responsible than those without families. Filling in the form indirectly proves that the person applying for the credit card has a job. Only with a job can he be able to repay, and only with the ability to repay can the bank principal be safer.

The contact’s credit report should be good. The contact person is one of the comprehensive scores. If there are problems with the contact’s credit report, it will directly affect the applicant’s comprehensive score.

Solution: It is best to fill in direct relatives and colleagues as contact persons. And Wu has a bad credit record.

3. Type of residence

Fill in the types of residence: self-owned housing, relative housing, rented house, collective dormitory

Owned housing: fill in the self-owned housing With the highest score, banks regard self-owned housing customers as high-asset customers. High assets also mean low overdues. Even if overdue occurs, the assets will be able to repay debts.

Relatives' housing: The comprehensive score is relatively high. Relatives' housing is usually their parents' home. When credit card holders are overdue, they can directly contact relatives through their residential addresses to collect debts.

Renting: The overall score of renting a house is relatively low. The reason is that the residence is not fixed and the card issuing bank does not feel safe, so the overall score is low.

Group dormitories: Enter the lowest comprehensive score of collective dormitories. The comprehensive score of collective dormitories is lower than the comprehensive score of renting a house. The reason is that there is no ability to rent a house, so the comprehensive score of collective dormitories is lower than that of renting a house.

Regardless of the type of residence, it must be authentic. The comprehensive score of residential properties that is filled in ++ may be low, but the comprehensive rating of residential properties that is filled in falsely will not only be reduced, but will be deducted.

Solution: Fill in the property of residence and make sure it is true. Try to choose residential properties with higher ratings.

4. Fill in the units and industries

The comprehensive scoring sequence of the unit nature is: state-owned, foreign-owned, joint-stock, private enterprise, individual.

At present, individual units have the most insufficient comprehensive scores, followed by private enterprises. Individual industrial and commercial employees usually have low income, relatively low repayment ability, and high risks, so their overall score is low.

Industry: Currently, the industry is classified into 28 categories. Some banks will regard service industries as prohibited industries, such as beauty salons, catering, bathing, and KTV, because such practitioners are relatively young and have low income. The repayment capacity is relatively small, the repayment ability is weak, and the overdue rate is greater than that of other industries. Therefore, some banks regard service industries as prohibited industries.

Fill in the name of the unit: The full name of the unit must be filled in. Filling in the abbreviation of the unit will at least lead to a reduction in the overall score, and at worst, it will lead to the rejection of the card. At present, there are many companies registered, and the names are easily confused. It is recommended to log in to QiChacha or Tianyancha to determine the real name of the company and fill in the full name

Solution: Select the real company name and fill in the full name of the work unit.

5. Card application conditions:

The card application conditions are divided into 5 categories: real estate application, car product application, social security provident fund application, academic card application, and card application. .

Real estate credit card application:

Customers who apply for credit cards for real estate are mostly customers who apply for large-amount credit cards. For credit card applications for real estate, banks require an area of ??more than 60 square meters or a value of more than 400,000 yuan. Two If the applicant fails to meet the requirements, it will be deemed that the score is insufficient, which will lead to the rejection of the application or the reduction of the credit card level.

Card application for automobile products:

Credit cards applied for automobile products are divided into high-end credit cards and mid-range credit cards.

High-end credit card applications require that the vehicle registration time be more than 3 months and within five years, and the vehicle value be greater than 150,000 yuan. Failure to meet the criteria will result in a downgrade of the credit card or rejection of the application due to insufficient score.

The application for a mid-range credit card requires that the vehicle registration time be greater than 3 months and the vehicle value be greater than 30,000 yuan. Failure to meet the requirements means that the score is insufficient and does not meet the card issuance conditions. The above two requirements require that the car is in the name of the credit card applicant.

Social Security Provident Fund Card Application:

Using social security or provident fund forms to apply for a credit card is related to the payment base. The higher the social security provident fund payment base, the higher the score will be, and vice versa.

When applying for a credit card using the social security provident fund, pay attention to whether it belongs to a third-party social security company. The name of the third-party company that pays the social security provident fund will not match the name of the company where it is located. Inconsistency between the company name and the name of the company that pays the social security provident fund will lead to a deduction in the overall score, resulting in The bank refuses to issue a card if the overall score is insufficient.

Education card application:

Education requires a college degree or above, and it can be checked on the Xuexin website. If the conditions are not met, the comprehensive score will be deducted, causing the bank to refuse to issue a card if the score is insufficient.

When using academic qualifications to apply for a credit card, pay attention to whether you have graduated (completed). If the bank will not issue a card to a college student, the bank will regard the college student as having no income, that is, no ability to repay, and the college student will be a prohibited category. Customers, so the overall rating is insufficient.

Applying for a card with a card:

Applying for a card with a card means that the person applying for a credit card has a credit card from another bank and uses the credit card of another bank to apply for a credit card of another bank. When more than 90% of the credit card limit is used, the customer is considered a risk customer and the overall score of the credit card will be deducted.

When the credit card used has been overdue, the overall score will decrease. If the credit card used has been overdue, the bank will regard it as having poor trustworthiness, so the overall score will decrease.

When the credit card being used often has the lowest repayment, the comprehensive score drops, and the bank using the credit card with the lowest repayment will regard the repayment ability as poor, resulting in a decline in the overall score.

Solution: Try to choose an asset-based card to apply for, and the filling in must be true and consistent.

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Credit card approval is judged from multiple dimensions. Regardless of the reason for rejection, "Insufficient Comprehensive Score" will be written. The reasons for rejection of credit card applications can be analyzed from the following aspects:

1. The issue of the age of the applicant

Generally speaking, the age requirement for credit card applications is between 18 and 65 years old. If you are not within this age range, it will basically not be approved.

2. Issues with the applicant’s credit report

(1) The applicant’s past loan or credit card repayments have been overdue, resulting in bad debts, especially if there have been many overdue payments in the past two years, basically no It will pass. In this case, you can only keep the card or loan repayments as normal. It is recommended to apply again after half a year.

(2) The applicant has recently checked too many credit reports in the name of loan or credit card approval. If the credit information has been checked more than 5 times in the past 2 months, the system score will be low, which makes it difficult to Passed. In this case, it is recommended to apply again after half a year.

(3) The applicant is a white household. A white household means that the applicant has never applied for a credit card before, nor has he made any loans. In this case, the credit report applied for is blank, and the bank system does not have it. Reference, so it will not be approved. In this case, you can apply through additional points, such as providing a university diploma, providing real estate, providing provident fund or tax receipts, providing vehicles, etc. as proof of financial resources, and the passing rate will be much higher.

3. The information filled in by the applicant is untrue

If the information filled in by the applicant is untrue, the bank will refuse to process it if it finds false information through big data comparison, so Be sure to fill in the correct information. In particular, if the information filled in by the applicant this time is inconsistent with the information filled in when applying for a credit card or loan last time, and if this time period is within 6 months, it will easily be treated as false information and will be rejected directly.

4. The applicant has no extra points

As mentioned above, the extra points refer to providing additional information as proof of financial resources or credit, which will make it easier to pass. The proof of financial resources is It refers to real estate, vehicles, income certificates, etc. Credit certificate refers to academic qualifications, previous credit cards, etc. are all acceptable.

5. Last but not least, it is recommended to apply directly offline instead of online, because if you apply online, the staff has not met you personally and has not verified your work, which is often more strict. And difficult to pass.

There is only one reason for insufficient ratings: there are too many online loan points! The credit report was spent!

Several ways to improve your credit:

1. Keep normal repayment records and do not overdue

2. Do not order online loans or apply for other credit cards recently

3. Try to wait 6 months before applying for a credit card

4. Apply to whichever bank has assets.

5. Have a legitimate job , is a necessary prerequisite for applying for a credit card

Summary: There are two reasons for credit card rejection: employer and credit reference. Without a fixed employer and a good credit reference, it is difficult to get approved! Keep the basics of credit reporting

How to solve the problem of insufficient overall score when applying for a credit card (debit card)?

The comprehensive score when applying for a credit card (debit card) refers to a comprehensive assessment made by the bank on the applicant's income, liabilities, personal credit and repayment ability. If the applicant does not meet the standards, it will be displayed. The overall rating is insufficient.

If your application for a credit card (debit card) is always rejected due to insufficient comprehensive score, then you need to check the reasons:

1. Income status

Generally, there is no stable job, the source of income is unclear, and the bank flow is intermittent every month, then the score in this aspect will be insufficient. The solution is to either find a stable job or stabilize your monthly bank flow.

2. Debt

If the debt is too large, the overall score of the system will be insufficient. Therefore, it is best to check whether there are too many credit cards (credit cards) and loans that you have applied for recently. If there are many, the credit cards (credit cards) can be installed in installments and part of the loans can be paid off first, otherwise the application will not be successful.

3. Personal credit report

If you are overdue when using a credit card (credit card) or loan, it will be displayed on the personal credit report. If the situation is serious, apply for Credit cards (debit cards) will definitely be declined.

4. Repayment ability

Repayment ability is actually determined based on debt and income. Large debts and low income mean lower repayment ability. Apply for a credit card (credit card) card) may also be rejected.

This is the end of the introduction about insufficient comprehensive score of credit card application and how to get insufficient comprehensive score of credit card application. I wonder if you found the information you need?