If your credit card application fails, you should wait at least three months from the same bank before applying again, otherwise it will be rejected again. Other banks will not be affected.

Normally, after a bank's initial card application is rejected, it is better to wait three months before trying to apply again. If you apply again in the short term, the same bank will reject the application based on the initial card application. It is best to wait 6-12 months before applying.

There are three types of reasons for credit card rejection:

The first type of reason is the applicant’s basic information, such as under 18 years old, insufficient information provided, insufficient salary slip information, etc. .

The second type of reason is the applicant’s credit situation, such as the applicant applying repeatedly, having an unstable job, having a bad credit record, and the applicant cannot be contacted, etc.

The third category is other reasons, such as the contact person not knowing or unwilling to be the contact person, the applicant's health reasons, the contact person not meeting the requirements, etc.

Data expansion:

Credit Card, also called credit card. It is a non-cash transaction payment method and a simple credit service.

Credit cards stipulated in the relevant laws of our country ("Interpretation of the Standing Committee of the National People's Congress on the Provisions on Credit Cards of the People's Republic of China and the Criminal Law of the People's Republic of China") refer to those issued by commercial banks or other financial institutions. An electronic payment card with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 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 Credit Card.

A credit card is generally a special carrier plastic card with a length of 85.60 mm, a width of 53.98 mm, and a thickness of 1 mm. The name of the card issuer, validity period, number, cardholder name, etc. are printed on the front, and there is a chip on the back. Magnetic strip, signature strip. Cardholders can use their credit cards to shop and spend money with special entities and deposit and withdraw cash from banks.

There is no need to pay cash when using a credit card, and repayment will be made on the billing date. ?

Credit cards are divided into credit cards and quasi-credit cards. A credit card refers to a credit card in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card The card 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 for payment, the card can be overdrafted within the specified credit limit. The so-called credit card generally refers to a credit card only.

Data source: Baidu Encyclopedia of Credit Cards