Activation of Shanghai Pudong Development Bank's credit card may be rejected. The activation of the credit card counter of Shanghai Pudong Development Bank is rejected. Generally, if you apply for a new account online and fail to pass the review during the bank interview, the bank will reject the credit card approval. Cardholders can try this: bring all the information, memorize the card application information, and try to activate the credit card again at a larger Shanghai Pudong Development Bank branch; reapply for the card through the branch, preferably by changing the card type and applying for the card. The minimum derating time is 3 months; there is no requirement for the interval when applying for a card from another bank, but you must ensure that you can successfully apply for the card.
1. Reasons for rejection of credit card application:
1. Personal credit report is not clear
It is normal for those with poor credit records to be rejected when applying for a credit card. . Before applying, be sure to check your credit report for the past year.
2. The basic conditions are not up to standard
You are underage or your job is not stable enough, which makes the bank feel that you have no ability to repay.
3. There are problems with the application materials
On the one hand, applying for a credit card requires the preparation of complete information, ranging from basic personal information to proof of financial resources. If the applicant provides detailed application information and it can be effectively verified, the possibility of credit card approval will be greatly increased. On the other hand, filling out the application form is also a technical job. For example, the recommender, company phone number, and card mailing address in the application form are all bonus points for applying for a credit card, so don’t ignore them easily!
4. The overall credit score is low and average
Possibly It is because a certain factor in your personal qualifications is not up to standard, causing the comprehensive score to fail to meet the requirements stipulated by the bank. Therefore, in daily life, you must pay attention to all aspects.
5. Frequently apply for credit cards
When the bank approves the credit card applicant's information, it will query the applicant's credit report. Therefore, a record of the bank's credit report will be left. If an applicant applies for credit cards intensively in a short period of time, the bank may easily suspect him of being a high-risk customer, which may lead to his card application being rejected.
2. Things to note when using credit cards:
1. Pay attention to two dates: the billing date and the repayment date
Generally, the repayment date is after the billing date 20 days or 25 days. If the card is swiped one day after the bill date, the interest-free period will be the longest. If the card is swiped the day before the bill date, the interest-free period will be the shortest.
2. Protect the credit card information
The three most critical information on the credit card: card number, expiration date, and CVV code. These three key information affect the security of your card use. , especially the CVV code, which is as important as the password. It is recommended to use correction fluid or stickers to cover the CVV code. Some people even use a razor blade to scratch off the CVV code directly, and keep those three numbers in mind.
3. Only by swiping your card frequently will you be able to avoid annual fees; only by paying back on time can you increase your credit limit
Generally, the annual fee will be waived if you swipe your credit card six times. Therefore, you must pay the annual fee. In addition, you can increase your credit card limit by swiping your card more frequently. At the same time, you must pay off your bills on time and maintain a good credit record. This is also a way to increase your credit limit. Moreover, mobile POS cardless payment is also very convenient and belongs to online consumption. Combined with daily offline consumption, multiple combinations can be used.