There are two possibilities: 1 you have a bad record in the bank's personal credit information system; 2. There is false information in the application materials provided by your credit card application. So the bank turned you down during the audit.
What are the reasons for refusing to apply for a credit card?
1. does not meet the requirements.
Credit card applications have certain requirements, such as age requirements and income requirements. If the applicant does not meet the requirements for handling a credit card, the application for a credit card will be rejected.
2. Bad credit report
The credit card itself is based on credit information. If the applicant has a bad record, such as overdue credit information, and has not recovered a good credit information, then the application for a credit card will only be rejected.
Generally speaking, the application for a credit card is rejected in seconds, which is mainly caused by the above reasons. In addition, the high personal debt of the applicant will also affect the credit card application, but if the debt is not particularly high, it will not lead to the rejection of the credit card application.
Hard conditions for handling credit cards:
1. At least 18 years old, with full capacity for civil conduct.
2. Have a stable source of income
Have a stable source of income, usually require the applicant to have a fixed job, to ensure that there is a source of repayment every month, so as to avoid being unable to repay after swiping the card.
Of course, if the applicant can provide a continuous social security certificate, income certificate or fixed assets such as a house and a car in addition to a stable job, then his chances of applying for a credit card will be greater. Because there is a certain proof of assets, it shows that the applicant has enough repayment ability, and the bank is more assured to send you a credit card.
3. Good credit information
What is "good credit"? Including timely repayment, no overdue records and so on. When you submit an application to the bank, the bank will first check your personal credit report. Banks mainly check your credit card use/repayment information and loan information, and also include tax arrears records, civil judgment records, enforcement records, administrative punishment records and telecom arrears records. Credit information without "stain" will make banks trust you more.
Skills of handling credit cards
1. Choose the right bank to handle the credit card.
Choose the right bank and apply for a credit card that suits you with actual needs. Because of the different characteristics of each bank, each credit card has its own advantages. When you apply for a card, you can choose a bank that suits you according to your actual needs. Generally speaking, it is easier for commercial banks to apply for credit cards than state-owned banks, because banks compete with each other and commercial banks are still in the stage of laying the market, and they are more willing to issue credit cards to applicants with good conditions; Moreover, there are many credit card promotion activities in commercial banks, such as courtesy in handling cards. To encourage qualified people to apply. Credit cards of Bank of Communications, CITIC, Guangfa, China Merchants Bank, Xingye, China Everbright, Shanghai Pudong Development Bank and Citigroup are recommended.
2. Choose a card that is easy to get rid of.
Different credit card types have different application difficulties. For example, ordinary universal cards and gold cards are easier to apply than platinum cards, ordinary standard cards are easier to apply than special cards, and co-branded cards and theme cards in bank promotion are easier to apply than non-promotional cards.
It is suggested that when handling credit cards, you should choose a card with a relatively low card level that is being promoted by the bank.
3. Deposit a sum of money in the bank regularly or buy bank wealth management products.
Strive to become a high-quality customer of the bank. The bank will give you a green light for a time deposit certificate of more than 50 thousand yuan. If you don't have that much deposit, you can first set up a savings card in this bank for daily capital transactions. It is also helpful to open several bank accounts and get a card.
What are the reasons for the rejection of online application for credit card of Guangfa Bank?
The age, income level, location and occupation of the applicant. Does not meet the requirements for issuing bank cards. Although it is stipulated in the credit card regulations of Guangfa Bank that applicants only need to be 18 years old and have a stable source of income, in fact, the card issuing business may not cover the applicant's region, income level and occupation (unstable job), which will lead to the second rejection of the credit card application. In addition, if the applicant meets the above conditions, he should also check whether there is any problem with his credit record. If he has a bad credit record, he needs to check the credit report.
Guangfa Bank Credit Card is the first standard credit card in China. The credit limit of the card is preset according to international standards, and it is used for overdraft consumption and cash withdrawal transactions without pre-deposit.
The first is the standard card, which is aimed at the general public and has no specific directivity. True Love Card and Pearl Card are high-end credit cards specially set up to locate women in the new era. These credit cards will get certain discounts when buying some female consumer goods.
The owner's card is for private cars, and you will enjoy more benefits in refueling and car maintenance.
At the same time, Guangfa Bank has issued a business card with a credit card, which can be used in some large consumer places and hotels, and will enjoy certain preferential quotas in some hotel services and reservation business.
Credit card repayment method of Guangfa Bank:
network
1, Tenpay online inter-bank transfer repayment
2. The bank's online bank transfer repayment.
3. Quick money website online cross-bank transfer repayment
4. Alipay online inter-bank transfer repayment
5. Inter-bank online bank transfer repayment
Automatic transfer
Guangfa Licaitong Savings Card Automatic Transfer
Self-service terminal
1, CRS cash repayment at deposit and withdrawal machine
2. Convenience store self-service repayment
3. Bank self-service equipment transfer repayment.
4. UnionPay "Xinfutong" self-service terminal transfers and repays.
telephone
1. Intra-bank telephone transfer
2. Telephone cross-bank repayment
3. SMS repayment
bank outlets
1, "Repayment Pass" inter-bank agent repayment
2. Repayment at the counter of bank outlets
3. Inter-bank remittance repayment
1, cross-bank purchase of foreign exchange by telephone
2. Guangfa Licaitong Savings Card Automatic Transfer
3. Purchase foreign exchange by telephone for repayment
4. Pay back at our counter
Annual fee standard:
Guangfa RMB ordinary card: the annual fee of the main card is RMB/year in 40 yuan and RMB/year in 30 yuan.
Guangfa RMB Gold Card: the annual fee of the main card is RMB/year in 80 yuan and RMB/year in 48 yuan.
Guangfa dual-currency Capka: the annual fee of the main card is RMB/year in 90 yuan and RMB/year in 45 yuan.
Guangfa dual-currency card gold card: the annual fee of the main card is 260 yuan RMB/year, and the supplementary card is+65,438 RMB/year.
Is it true that guangfa meituan refused every second?
The second refusal of Guangfa Meituan is true. According to relevant information, Guangfa Bank will check the applicant's personal credit record when handling credit cards. If the credit is tainted, Guangfa Bank will make a second refusal when using Meituan. China guangfa bank was established in September 1988 with a registered capital of RMB114.08 million, and its headquarters is located at No.713, Dongfeng east road, Yuexiu district, Guangzhou, China. With the approval of the People's Bank of the State Council and China, Guangdong Development Bank, as a pilot bank for financial system reform in China, was established on the beautiful Pearl River and is one of the earliest joint-stock commercial banks in China.
So much for the introduction of Guangfa Credit Card.