However, due to the tightening of bank risk control, the approval of credit cards (debit cards) has become particularly strict, resulting in many applicants being rejected when applying for cards. Then, why is the application for a credit card (debit card) rejected? Maybe you don't know the following four "details".
0 1
The card handling information is not true.
When applying for a credit card (debit card), the bank needs the applicant to provide some information to prove it. Once the application materials contain false information, such as false income certificates, the bank will refuse the application after verification. Moreover, even if the information can be submitted to the bank smoothly, the staff will run for re-examination and call the applicant's reserved phone to run for verification. Once the applicant's reply is too different from the application form, the bank will refuse the application.
02
Personal credit information is not up to standard.
At present, in order to reduce various potential risks, banks are still strict in reviewing personal credit information. As long as there are bad records in the personal credit information system, the bank will refuse to apply for a card. It is worth mentioning that if there are too many credit records, it may also lead to the bank rejecting the cardholder's application.
03
There is no stable income.
For the applicant, if he wants to apply for a credit card (debit card) successfully, he needs to have a job with stable income, so as to improve the pass rate of handling the card. Generally speaking, for applicants who have no stable income, such as freelancers, banks may refuse their card application. After all, they don't have a stable income, and banks can't be sure whether they have the ability to repay. In order to avoid potential risks, banks can only refuse to apply.
04
The influence of credit limit.
After the applicant submits a card application, the bank will also assess whether the applicant has the repayment ability according to the total amount of credit cards (debit cards) held by the applicant. If the applicant has no proof of supply income, the bank will judge according to the maximum credit line of about 200 thousand. Once the total amount of credit cards (debit cards) held by the applicant exceeds this line, the bank will think that the applicant does not have the repayment ability, so it will refuse the application.