How to deal with all credit card rejection solutions;
1. Analyze the reasons for rejection.
After the credit card is rejected, be sure to analyze the reasons for rejection. Different people have different credit conditions, so the reasons for rejection are different.
First of all, it is best to check whether your basic situation meets the requirements of the credit card you want to apply for, such as age and identity. For example, China Merchants Bank's young card can only be applied for people under 30 years old, and Guangfa JD.COM Plus credit card can only be applied for new customers. Secondly, check the credit information again, first, to see if there are any overdue records, second, to see the outstanding amount of credit cards and loans, and third, to see the number of inquiry records in the last six months.
After all, the rejection of a credit card means that the credit is not good, or the repayment ability is not recognized. Anyway, find out the shortcomings one by one, and use 3-6 months to upgrade your qualifications before you re-apply for a credit card.
2. Control the number of applications
Many people are eager for success, thinking that it is a waste of time for a family to apply for credit cards from several different banks at the same time in order to improve the card issuance rate. This is very incorrect, and it is easy to increase the difficulty of handling cards.
After all, banks will check credit information when approving credit cards. For example, when different banks collect credit information at a certain time, it is easy to get credit information, and the bank thinks that the applicant is short of funds. Banks are not charities, and they are not optimistic about people who are short of money.
Therefore, the best way is to sort out your own credit conditions and choose to compare 1-2 banks' credit cards to apply first. If it doesn't pass, find out the reasons for rejection, sum up the bad things, and do it every 3-6 months to avoid applying for other credit business.
Step 3 choose the right credit card
There are many types of credit cards in different banks, and the requirements are different. Some are easier to get a card, while others are more demanding. You have to apply according to your own needs and credit situation.
If the qualification is relatively general, it is recommended to apply for relaxing the card types of banks, that is, the card types mainly promoted by banks, as well as some newly issued co-branded cards and so on.