Credit card or loan application is rejected due to insufficient comprehensive credit score, and customers cannot find out the specific comprehensive credit score given to customers by banks or licensed consumer finance companies. However, customers can contact banks or licensed consumer finance companies to ask the staff the specific reasons and see what problems lead to insufficient comprehensive credit scores.

Customers can check their own credit information, which may be because there are bad credit records in the credit information report, resulting in insufficient comprehensive credit score. Credit inquiry is not complicated. Customers can log in to official website, the Credit Information Center of the People's Bank of China, on a computer browser, and then click to enter the Internet personal credit information service platform.

For example, some loans are related to sesame credit, and customers can also inquire about sesame credit themselves. Just log in to Alipay APP, click "My" and then click "Sesame Credit", and you can directly see your sesame credit score.

Of course, the lack of comprehensive score is not necessarily the cause of poor customer credit. After all, a bank (licensed consumer finance company) is a comprehensive score obtained by evaluating the age, education, work unit, residential address, economic income level, debt situation and credit status of its customers. So it may also be because customers borrow for a long time, have too much debt and have insufficient comprehensive credit score.

What causes the comprehensive score to be insufficient?

First, the credit rating is insufficient.

Personal credit report is an important factor that lenders must examine when lending. If there are stains on your credit report, or there are overdue or abnormal behaviors, your credit score will be insufficient. Once your credit score is insufficient, it will directly affect the result of your loan.

Second, the information authenticity score is insufficient.

When applying for a loan, it is very important to review the authenticity of the borrower's information. By verifying the borrower's information, we can preliminarily judge whether the borrower has fraudulent behavior, thus ensuring the safety of funds.

Third, the quota score is insufficient.

When we say that the credit rating is insufficient, it mainly refers to the situation that the credit rating is insufficient when the credit rating does not reach the lower limit of a single loan product according to the system budget. The borrower may not be clear when applying for a loan. Some loan products have very strict conditions. If you don't know your choice before applying, you may not pass the examination and be refused a loan!

Fourth, the application records are too frequent.

Multi-head loan application and credit card application will also affect the loan approval results. If you frequently apply for loans and credit cards on multiple small loan platforms, you will find that your online loan records are too many and your credit inquiry records are very frequent, which will make the bank think that you are short of money at present because other conditions are not up to the standard, but the application is unsuccessful and the risk of default is relatively high.