According to the description of the problem, your salary is similar to that of your colleagues, but you didn't pass the examination of Bank of Communications' credit card. Is it because you didn't answer the phone call in time or did you have a record of bad credit before?

According to the summary of bank employees, the reasons for not passing the credit card in general are as follows:

1. There are few application materials

It is important for banks to pay attention to the authenticity and integrity of the application materials. There is a greater probability that a house and a car can submit the approval of the purchase contract and vehicle driving license; If there are only simple materials such as a copy of the ID card, the probability of approval is small.

2. Having a bad credit record

After receiving a credit card application, the bank will check the applicant's credit record through the credit information platform. If the credit record is good, the credit card is more likely to be approved.

3. Bad attitude in the process of credit investigation

After receiving your application materials, the bank will first check the authenticity of the information online, and then there will be a telephone call back. If your attitude is too bad during the call back, the questions answered are quite different from the information filled in before, and it is likely to be erased.

tip: generally, it is best to apply for a credit card again after 3 months if it fails to pass the first application.

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