Why didn't the credit card application come down

What are the reasons why the credit card application was rejected and why the credit card application didn't come down?

the reasons why users are refused to apply for credit cards are: they frequently apply for various credit businesses in a short period of time; Personal credit reporting is bad, and there are overdue records in the credit reporting; Personal debt ratio is too high and repayment ability is insufficient; No stable job and income; Do not meet the age conditions for applying for a credit card; The user has been blacklisted by the bank.

in the above situation, the user's application for a credit card will be rejected, and the user must solve the problem first, and then apply for a credit card. Repeated application will only lead to the waste of personal credit information.

what are the reasons for not applying for a credit card?

1. Age does not meet the requirements: Generally speaking, if the user is 18 years old or above, he can apply for a credit card. However, some banks or some card types have strict requirements, and the requirements are between 22 and 23 years old.

2. Too many credit cards have been applied: because users apply for loans or credit cards with their current credit standing, the bank will have an upper limit on the estimated amount. Assuming that multiple credit cards have been applied for in the bank and the credit line is close to the upper limit, it is easy to be rejected if you apply again.

3. Personal repayment ability is average: credit card debts are repaid every month, so it is natural to require users to have a stable source of economic income. It's very difficult to apply for the "three noes" who have no job.

4. Credit information: If the user has been seriously overdue or has a high personal debt, it can be seen in the credit information report, and the bank will refuse it for risk reasons.

here are the credit card channels for Ping An Bank, China Merchants Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for them yourself if necessary!

Credit card applications from China Merchants Bank and Ping An Bank

Credit card applications from China Everbright Bank and China CITIC Bank

Credit card applications from Agricultural Bank and Minsheng Bank

Why do you always fail to apply for a credit card? Find the reasons from the following five aspects

If the card holder is eager to use the card, he is likely to go to a doctor in a hurry and find a black intermediary to apply for a card. In fact, this is not a solution to the problem, and even it will. Today, I sorted out the five reasons why credit cards were rejected, and see why.

first, do you meet the conditions for issuing cards

There are many types of credit cards, and different types of cards have different application conditions. If you only have the basic conditions for applying for a card, then your application for a credit card may fail. For example, you must have a car for the owner card, and a high-end credit card (platinum card) must have strong economic strength.

Second, the number of application materials

When banks review the qualifications of card applicants, they will refer to many factors, such as income, housing conditions, job stability, academic qualifications, family conditions, etc. When filling out the application form, they should pay attention to skills. In addition, providing additional proof of financial resources can give extra points for applying for a card. Just providing ID card, work certificate and income certificate may lead to applying for a credit card.

Third, the short-term application is too secret

The reason why you always fail to apply for a credit card may be that after you apply for a credit card for the first time, you repeatedly apply for a credit card in a short time without knowing the reasons for rejection, which will only lead you into a vicious circle of credit card rejection.

4. Is your credit history good

If your credit history is stained, it is normal that you always fail to apply for a credit card. The bank will directly refuse the credit card if there is a problem with the credit information. Unless you can provide a "non-malicious overdue certificate", you can only apply for a credit card again after 5 years.

V. Other reasons

Summary: Why do you always fail to apply for a credit card? I hope the above five reasons can help you. There are skills in applying for a card. Besides the above reasons, it is also the key to choose the appropriate application channel. If you apply for a card through a third-party platform authorized by the bank, it may give you unexpected surprises!

Why do you always apply for a credit card? However,

Many times, the reasons for rejecting a credit card application are both objective and subjective. On the one hand, banks sometimes have strict auditing standards for applicants, or control the amount of cards issued in order to optimize risks; On the other hand, it may be that the applicant's own conditions do not meet the requirements of the bank and the credit record is poor, which leads to the rejection of the application. The details are as follows:

1. Age mismatch of applicants: Credit card applicants must meet China citizens who are over 18 years old and have full capacity for civil conduct.

2. Inconsistency of the applicant's work and income: the applicant must have a stable job and a legitimate source of income, and with the job and income, the applicant can be guaranteed to pay off the credit card account.

3. The applicant's personal credit does not match: the bank will review the applicant's personal credit, and if the personal credit is tainted, the bank will not pass the application.

4. The applicant can't be contacted: the bank will contact the applicant for many times during the audit period to verify his personal situation. If the mobile phone number or address reserved by the applicant in the bank is wrong, the bank can't contact the applicant, and the application for credit card will be rejected.

5. applicant's health reasons: if there are health problems in the application, the bank will conduct risk control on the applicant during the audit and consider whether to give the applicant a credit card.

6. The applicant's assets: If the credit card applied for is of high grade, the bank will ask him to provide corresponding assets certificates, such as real estate license, automobile driving license, stock securities, bank deposit slip, payroll, etc. If the personal assets applied for do not meet the threshold conditions for applying for a credit card, the bank will not pass.

7. Frequent application: applicants frequently apply for the same bank credit card, submit the application form several times or cancel it many times, which is also the reason why the credit card application is not enough.

why is the application for a credit card always rejected? There are these reasons

In daily life, many people will use credit cards for consumption. Compared with bank loans, the threshold of credit cards is still relatively low. However, there are still many people who have been rejected for applying for credit cards, most of which are because the details have not been noticed. Here are some common reasons for the rejection of credit cards, hoping to help you.

1. The income is too low

If you apply for a credit card based on your ability, you can refuse to pay it back. After all, the money in the credit card belongs to the bank, which only allows you to overdraw in advance, so the income of the applicant directly affects its repayment ability. If the income is too low and the repayment ability is not good, don't even think about it, the bank will definitely refuse to approve the card.

2. Missed phone call

Many banks will call back when they apply for a credit card for the first time or online, so as to verify the authenticity of the applicant's information and whether they apply in person. If the applicant misses or refuses to answer, it is very likely that the credit card will be rejected. Therefore, everyone should pay attention to the answer. If they are busy, they should talk to each other, not refuse to answer.

3. Too high debt

High debt will also affect the repayment ability. Even if the income is high, there are too many debts. After the monthly income is used to pay off debts, there is not much left, and you have to spend daily expenses. If you overdraw with a credit card, it is easy to have no money to repay.

4. High-risk occupation

If you are a worker in a service industry, a high-risk occupation or a high-risk occupation in sales, unstable income may also lead to the rejection of your credit card.

5. Bad credit

Not necessarily bad credit. If you apply for credit cards and loans from many banks in a short period of time, there are too many inquiry records left in the credit information system. Such hard inquiries will make banks think that applicants are very short of money and it is risky to grant them cards.

why can't you apply for a credit card introduction? Let's stop here.