According to the comprehensive score of credit card application, if other credit cards swipe their cards too much during the credit card review period, but they are not returned, the credit card center will think that there is a risk of arrears, refuse the card, or it may be for other reasons. Please consult customer service. It takes three months to apply for a credit card again after the same bank is rejected. Frequent applications will be considered as malicious applications by the bank audit system, and the audit records will be kept in the system for three months. During this period, the application will be rejected without review.
Credit card, also known as credit card. It is a non-cash transaction payment method and a simple credit service.
Credit card application process:
apply for
In most cases, citizens with full civil capacity (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. The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information.
check
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing.
hairpin
After the applicant successfully applies for a credit card, the issuing bank will open a separate credit card account for the cardholder at the issuing bank for shopping, consumption and settlement after cash withdrawal.
Activate bank card
Card opening is mainly through telephone or internet. , check the relevant personal information provided at the time of application, and go through the card opening procedures after meeting the requirements.
Source: Baidu Encyclopedia Credit Card
Can I apply for Minsheng Bank credit card online? Why does my second refuse?
It is relatively easy to apply for Minsheng Credit Card online, but the application conditions need to be met. Do not meet the application conditions, will not be accepted. There are many main reference factors, such as age, work, income, education and so on. , and refer to the applicant's card holding, card use in other banks or credit status in other institutions.
After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.
The credit card audit department of Minsheng Bank will comprehensively score all aspects of each applicant. If the score is not enough, the card cannot be issued. Only those who meet the scoring criteria will have legal credit cards.
The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.
Minsheng credit card counter activation was rejected.
Credit card activation will ask some basic questions, all of which are to fill in the contents of the application city. Such as name, ID number, company name, address, address, position, etc. Rejection may be a mistake in a certain link.
A telephone activation process: 1, the customer dials the credit card customer service phone to enter the automatic voice menu of the 24-hour customer service hotline of Minsheng Credit Card;
2. Select "Card Activation";
3. For customers with ID card type, please enter the ID number; If the certificate type is non-ID, manual help is optional;
4. Enter the credit card activation card according to the voice prompt.
Second, SMS activation.
1. Edit SMS: jh (last four digits);
2. Send to: 106902895568
3. After the SMS is sent successfully, you will receive the corresponding confirmation information. After successfully activating the card, please call the customer service hotline to set your transaction password and inquiry password to ensure the normal use of the card.
Third, online activation.
1. Log in to Minsheng Bank Credit Card official website, and click to enter the "Activate Credit Card Online" function;
2. Select the certificate type in the page, and enter the certificate number and the credit to be activated;
3. Click "Get Verification Code" to receive the verification code through the reserved mobile phone and input the page, and at the same time input the additional code;
4. After successfully activating the card, it is recommended to call the customer service hotline to set your transaction password and inquiry password to ensure the normal use of the card.
Minsheng credit card counter activation was rejected. What if the credit card is not activated at the counter?
The applied Minsheng Credit Card needs to be activated before it can be used. However, some card friends said that the activation of Minsheng Credit Card Counter was rejected. What happened? What if the counter is not activated?
Reasons for Rejection of Minsheng Credit Card Counter Activation
1, the information does not match.
Minsheng credit card counter activation is mainly aimed at customers who apply for the first card online, and can only be activated after completing the face-to-face signing. If the bank staff makes a mistake in verifying the card information with you when you activate the credit card, it will naturally be rejected.
2. Credit card activation is not timely.
Generally, after the credit card is issued, the bank will notify the customer to activate it at the counter of the designated outlet by SMS or telephone. If it is not activated at the counter for a long time, the card is damaged or expired and cannot be activated.
This credit card is fake.
Many users can't get a card through formal channels in order to obtain a high credit card or because of poor credit information, so they look for a black intermediary. Many black intermediaries promise to give cards, in fact, in order to cheat money and information. The last credit card they gave you was a fake. If you take a fake credit card to the bank counter to activate it, you will definitely be rejected.
What should I do if I fail/refuse to apply for the Minsheng White Strip Co-branded Card?
Minsheng IOUs Co-branded Card is the third "Little White Card", which has the dual rights of Minsheng Bank Credit Card and JD.COM IOUs. Although you can apply for this credit card only by filling out the application form online without submitting other materials, many users have been rejected. So what if I fail to apply for the JD.COM White Strip Co-branded Card?
1. Is Minsheng Bailian Card easy to handle?
According to official website of Jingdong Finance, it only takes three steps to handle the white-striped co-branded card: 1. Online application; 2. Waiting for review; Get the card. Users only need to log on to the Jingdong financial website or mobile phone client, fill in personal information to apply, and then wait for the card approval, which is very convenient and fast.
Compared with applying for other credit cards of Minsheng Bank, the application for the white joint card cancels the filling of paper forms, and the whole process is online and can be completed in minutes. The contents filled in are personal basic information and work unit information. At the same time, as long as you are a "white note" user, the pass rate of applying for this card is very high and the amount is considerable.
2. What are the reasons for the rejection of Minsheng White Card?
1, which does not meet the conditions of joint card: the age is a hard condition and needs to be between 18 and 65 years old; In addition, you must have a stable job and a fixed income, so that you can prove to the bank that you have the strength to support this card and there will be no bad debts.
2. Bad credit record: When applying for a card, the bank will first investigate the applicant's personal credit record. To put it bluntly, it depends on whether you have a "criminal record" of overdue and other related situations. If not, you can naturally enter the next level smoothly; If there is a "dark history", you can pack up and go home.
3. Frequent application for credit cards: Many cardholders have applied for credit cards from several banks while applying for the Minsheng White Joint Card, which is likely to lead to the rejection of the card application. It is important to know that every card use record of the applicant will be recorded in the credit information system, and it is easy for banks to suspect that it is a high-risk customer. Naturally, it will not be so easy to send you a card.
4. The comprehensive score is too low: the bank will give you a score according to the applicant's application form, qualification documents, credit information and other related materials. If the score is too low, there is naturally no hope of getting a card.
3. What should I do if I fail to apply for the Minsheng White Joint Card?
If you fail to apply for a white joint card, you can contact Minsheng Bank directly and ask why the credit card application failed. Maybe you can get a new card just by adding enough supporting information.
However, as far as we know, there is only one application opportunity for Minsheng White Bar Co-branded Card. If the application fails, you have to apply for other types of cards, such as CITIC White Bar Co-branded Card, which is also good.
The introduction of the rejection of Minsheng credit card application ends here.