No, the comprehensive score does not necessarily mean that the credit is not good. The comprehensive score is only a comprehensive quantitative evaluation of the qualifications of credit card applicants. The reference factors include the assets, work, position, income, nature of the company, marital status, real estate, education and so on.

The reasons why applying for a credit card is rejected due to insufficient comprehensive score are as follows:

1. Personal qualifications: mainly including age, marriage, occupation, household registration, etc. For example, the credit card to be applied is only for a certain group of people, and the application age is specified.

2. nature of work: the bank will consider the nature of the applicant's work unit, working years and position. For example, ordinary employees who work in private enterprises and have short working hours may have lower comprehensive scores.

3. Income: In addition to considering the applicant's monthly salary, the bank will also pay attention to whether he has other sources of income and whether he has fixed personal assets. If the salary is low and there is no other income and no personal assets, the comprehensive score may be low.

4. Credit status: The bank will focus on reviewing the applicant's credit records, including overdue status, loan information and inquiry records. Overdue records and frequent inquiries will have a negative impact on the credit score, and the comprehensive score will be reduced accordingly.

can I continue to apply if the credit card is not approved?

if the credit card application is not approved, you can continue to apply, but it is not recommended to apply immediately after being rejected. It is best to apply for a credit card from the same bank after a certain period of time, or directly apply for a credit card from another bank. Re-applying for a credit card also needs to be approved by the bank. If the applicant wants to improve the pass rate, he should first find out the reasons for his previous rejection and improve the shortcomings before handling it. If the applicant's credit investigation is seriously bad, don't rush to apply for a card to solve the credit investigation problem.