The second reason is the low income. If the cardholder's income certificate is too low, it will also affect the success rate of credit card application.
The third reason is a bad credit record. It will be very difficult for the cardholder to apply for a credit card again if his previous credit card is overdue or the loan repayment is overdue and recorded in his personal credit record.
Reason 4: Banks applying for credit cards for the first time will be more cautious when approving cards for applicants who have not used credit cards for the first time before.
The fifth reason is the applicant's occupational restrictions. For example, physical cardholders are engaged in some relatively unstable jobs, such as sales staff, and other banks will refuse to apply for cards because they are not sure whether the applicant can repay on time.
Extended information credit card application:
1. In most cases, citizens with full capacity for civil conduct (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, legal persons can also act as applicants.
2. The object of applying for a credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.
3. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
4. The application method is generally to fill in the credit card application form. The contents of the application form generally include the applicant's name, basic information, economic status or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
5. The credit card contract is attached to the application form, and the applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit a statement on the authenticity of the information and the issuing bank's privacy protection policy. , and must have the applicant's autograph.
Baidu encyclopedia-credit card