The first reason why the application for Industrial Bank credit card was rejected was that the applicant had insufficient repayment ability and the information was untrue. The applicant's insufficient repayment ability will involve two aspects. One is the applicant's income. If the applicant's income is too low and exceeds the bottom line of the credit card issuance limit, the bank will refuse approval.
The other aspect is whether the applicant’s job is stable. Many applicants have a high income, but due to unstable income, such as self-employed people, banks will worry about the applicant’s future repayment ability. It may also be rejected. If the bank finds that the applicant's information is untrue after verification, it will also refuse to approve the card.
The application for Industrial Bank credit card was rejected for the second reason: the applicant’s credit record was not good. The applicant's credit record will also be an important reason why the credit card is not approved. No matter how high the applicant's income is, if the credit record is not good and there are many overdue records, the bank will think that although the applicant has the ability to repay, he has For banks, the possibility of being a "bad guy" is no lower than that of a cardholder who has no ability to repay, and will also lead to rejection.
The application for an Industrial Bank credit card was rejected for three reasons: the applicant does not have a card-issuing bank branch in the local area. Although the bank does not clearly state when applying for a credit card that applicants from certain areas cannot apply for a card, when the bank is approving credit cards, it will directly reject the application information for those who do not have bank branches in the area.
The application for Industrial Bank credit card was rejected for the fourth reason: the applicant held too many credit cards. If the applicant has many credit cards, the bank will look at the total amount of credit cards he currently holds compared with his income, and whether he still has the ability to repay new credit cards. If there is a risk of being unable to repay, this type of application will People will also refuse approval.
There are five reasons why the application for Industrial Bank credit card was rejected. Those applying for a credit card should pay attention to whether the card matches their own conditions. If you are an ordinary white-collar worker, then the platinum card is definitely not suitable. If you are a man, then the women's card is definitely not suitable. If you do not go abroad, the multi-currency card is not suitable. Therefore, it is best to choose the most suitable credit card based on your own characteristics.
There are six reasons why your application for Industrial Bank credit card was rejected. You should answer the call in time when the bank calls you back. When the bank reviews the information, it will call to verify. Some banks may miss the call once, resulting in the rejection of the credit card application. Be careful to answer the phone calls from the bank.