After all, the pass rate of online credit card application is lower than that of counter credit card application, especially for banks with strict risk control, if they can't provide any paper information, they will be rejected in nine cases out of ten.
If a bank finds a record of rejection when inquiring about your credit information, it may take the reasons for card withdrawal from other banks as a reference factor, but it may not necessarily reject you. After all, the rejection of the card can only show that your qualifications do not match the needs of the bank. It doesn't mean that there is a problem with your personal credit information. The bank will decide whether to issue a card to you according to the bank's risk control and your qualifications.
Too frequent credit card applications or too many credit card rejections will directly affect personal credit information. Especially if your card application is rejected many times in a period of time, then the bank may suspect that your qualifications are not good. Although this may be too one-sided, it is indeed possible from the perspective of banks.
After all, for banks, many cards are rejected, and the biggest reason is the applicant's own qualifications. If the applicant has some unknown risks, how can many banks refuse to apply for a card? After all, banks decide whether to approve cards from the perspective of risk control, so it is normal for applicants with poor qualifications to be rejected.
How to apply for a credit card online without being rejected?
1) Choose banks with low thresholds: Commercial banks such as Bank of Communications, Huaxia, Guangfa, CITIC, China Merchants Bank and Pudong Development Bank are more likely to approve cards than the four major state-owned banks. In particular, if Bank of Communications, Xingye and Minsheng apply for secondary approval online, the chances are very high.
2) Choosing the right card: mainly according to your own situation, you can start from two aspects. One is to choose the card level. Generally speaking, it is best to start with Puka and Gold Card, and don't want to start with Platinum Card as soon as you come. One is to choose a card type, and you can choose a co-branded card. Compared with standard cards, the recognition rate of co-branded cards is higher.
3) Appropriate packaging of materials: we can start with work information, asset information and social security deposit records, especially work information and income. For job information, it is best to write the person in charge in the job filling, and the income can be written at a high point according to the working years. In addition to the monthly salary, various subsidies and year-end awards are added.