Last month, we applied for the credit card of China Everbright Bank four times, but all of them were rejected. Can I still get 1 in a short time? Number two. Can't apply for everbright. But you can apply to other banks. 3. The application failed once. Apply to the same bank again. Then you'd better wait for more than 3 months before applying.
What are the consequences of applying for a credit card many times in a short time? You have the following application methods:
At present, all kinds of state-controlled banks and joint-stock commercial banks, whether national or regional, are actively encouraging consumers to apply for credit cards. They are also improving their service efficiency as much as possible in order to better serve consumers. Of course, because the standards of each bank are different, consumers may feel that some banks' credit cards are not easy to handle.
Generally speaking, China Construction Bank, China Agricultural Bank, China Bank and China Industrial and Commercial Bank have higher requirements for applying for credit cards and smaller credit lines. Generally speaking, joint-stock commercial banks are more efficient than state-controlled banks, and regional banks are more efficient than national banks. For example, China Merchants Bank, Ping An Bank, Shanghai Pudong Development Bank and China Guangfa Bank have higher card handling efficiency and higher credit line approval.
In order to control risks, banks attach great importance to the repayment ability of cardholders. The information you submit must make the bank feel that you have enough repayment ability. The stronger the repayment ability, the easier it is for banks to issue cards and the higher the credit card limit will be. So, I'm here to give you some advice to apply for a credit card as soon as possible:
1. No matter which bank you handle, the more detailed your personal information is, the better. Especially materials that can prove your financial situation.
You can apply for a credit card online, thus saving the waiting time in the business hall.
3. If you want to apply for a large credit card, it is more troublesome to apply in the four major state-owned banks, so you can consider other banks.
China Bank Credit Card can apply for multiple installments in a short time, and can apply for n installments within the credit limit.
Which bank is better to apply for a credit card? You can get off the card on the same day or in a short time. If you meet the requirements of China Merchants Bank's credit card application, you can try to apply. The most important condition for applying for China Merchants Bank Credit Card is 18-60 years old (25-60 years old for foreigners), with certain economic ability and good credit record. Please refer to the actual audit of our credit card application results. The necessary application documents are copies of identity certificate and work certificate. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit.
If you are interested in CMB credit card, but have never held our credit card, you can apply in the following four ways:
1. Please log on to the credit card website and select "Apply for Credit Card"-"Apply for New Customer";
2. Please bring your original identity certificate, work certificate and financial documents to the business outlets of China Merchants Bank in person;
3. You can also call the customer service hotline, select "3#" in the voice for credit card application consultation, and then select "1" to transfer the service specialist to register for you, and inform our local staff to contact you to confirm the application.
4. If you have applied for the professional version of our online banking, you can apply through the professional version.
Remind you that credit card verification is subject to the final audit result.
If you apply for a credit card of China Merchants Bank, it usually takes 10 working days from the time when the audit department receives your application materials to the time when the credit card is audited. After approval, we will make a card for you within 2 working days, and then send it to you by registered mail according to the billing address. Generally, the sending time of registered letters is 15 days.
Does it take a long time to apply for the credit card of Guangfa Bank? Actually, it's not long at all As long as the information filled in when applying for the credit card of Guangfa Bank is true and valid, you can get the card in ten days.
It is normal that CCB's credit card application will be rejected after ten days. CCB's credit card usually comes out in 7 to 15 working days, so just wait patiently.
Will applying for a credit card from the same bank be rejected twice affect the provident fund loan? Applying for a loan in the same bank will not affect the provident fund loan. Banks are generally reluctant to accept applicants who have been overdue for more than three times in a row. However, nothing is absolute. In practice, whether the loan can be approved is also related to the tightness of the overall national credit policy and the applicant's comprehensive qualifications, such as work, income, assets and so on.
The reasons for rejection may be as follows:
First, if the applicant has overdue repayment in the current month, then the bank will not continue to examine and approve. Unless the applicant repays the overdue debt immediately, he must also provide a "repayment receipt" (deposit receipt).
Two, the general situation is that the bank does not accept more than six overdue. However, if there are three reasons for overdue, banks will generally accept loan applications.
1, overdue due to bank reasons. For example, there is a problem with the bank's credit card repayment system, which leads to the borrower's repayment not being received immediately, or the borrower's monthly payment is increased after the interest adjustment, but the bank fails to fulfill the notification obligation, then the applicant can ask the original borrowing bank to issue a non-malicious overdue certificate.
2. I am overdue for more than 6 times, but the repayment at other times is very good, and I can provide the bank with an explanation of the non-subjective reasons for not repaying on time. I can try to apply for proof of non-malicious repayment from the original issuing bank or loan bank.
The overdue repayment occurred two years ago. For overdue cases that occurred two years ago, banks generally do not count the number of overdue cases of applicants. However, if there are many overdue times two years ago, the bank will raise the applicant's loan interest rate or reduce the loan amount.
What if the online application for the same bank's credit card is rejected many times? If it is a credit card of China Merchants Bank, the credit card application review is systematically and comprehensively evaluated, and there will be many reference factors, such as work, income, stability, personal credit and so on, which are not determined by unilateral factors. It may be that the information attached to the original application failed to fully show the personal situation, which led to the failure of the application.
You can reapply three months after the initial application.
If Taobao allows credit to increase losses in a short time, buy and drink.