What is the lack of comprehensive score?
When we fill in the credit card application form, there will be a lot of information on it, such as the nature of the work unit, position, length of service, income, marital status, education, housing situation and so on. In addition, the bank will also inquire about the applicant's credit report, social security, provident fund, real estate, assets and other information. Each item will be graded, and the lowest item will be negative. If you add up the total scores of all items, it is a comprehensive score. The so-called comprehensive score is not enough, that is, the total score does not meet the minimum standard for banks to approve credit cards.
After the applicant's information is entered into the system in the early stage, the system will give a score. After reaching the basic requirements, the final result will be obtained by manual review. Although the credit card application was rejected, the reason given by the bank was that the comprehensive score was not enough. In fact, everyone is rejected for different reasons. For example, if there is a serious overdue record, no matter how good other conditions are, the card will be rejected; Some people have no other problems, even if their debts are too high, they will be rejected. The reason given by the bank is that the comprehensive score is insufficient.
If the credit card is rejected, there must be a specific reason for rejection. It's best to call and ask clearly, and then apply for a credit card to know the targeted improvement.
The following are some specific reasons why commercial banks refuse to approve credit cards for your understanding:
Every bank has its own scoring standard.
The same person applying for a credit card in different banks may get different results. Some banks always refuse, some banks can approve, and the number of cards approved by different banks is also very different. Why is it so different for people with the same qualifications to apply for credit cards in different banks? In fact, this is because the criteria for approval of each bank are different. For example, several state-owned banks pay more attention to the applicant's assets in their own banks, and other real estate and cars are not valued. Some banks can grant high credit cards as long as they have a house and a car.
Shenka suggested:
If the application for a credit card is rejected, we can roughly judge whether it is because of the most superficial problems such as credit history problems and excessive debts, or whether the work unit does not meet the requirements of the bank. If these questions are still rejected by the bank, there may be other reasons. It is recommended to apply for another bank.
In a short time, if your qualification is not greatly improved, don't apply for the same bank credit card again, because the probability of being rejected again is very high, and too many application records will also affect other bank credit cards.