What are the reasons why I can't get a bank card?
Failure to apply for a card in a bank may be caused by the following reasons:
1. Incomplete personal data: banks need to verify the identity and financial status of customers. If the identity documents, work certificates, income certificates and other information submitted by customers are incomplete or untrue, banks cannot handle credit cards for them.
2. Unqualified credit evaluation: Banks usually evaluate customers' credit rating according to their credit records. If the applicant's credit evaluation is unqualified, the bank cannot apply for a credit card. For example, the applicant has a record of overdue repayment, no fixed income or high debt. , which may lead to unqualified credit evaluation.
3. Bank policy restrictions: Banks may set some restrictions and conditions for customers who apply for credit cards. Such as age, occupation, income level. If the applicant does not meet these restrictions, the bank cannot apply for a credit card. In addition, some cities will impose household registration restrictions on bank cards. If the user does not apply for a card within the prescribed scope, he needs some auxiliary certificates, such as real estate license, local social security record or student ID card.
4. Banking system failure: Sometimes the banking system may fail or the network is delayed, which makes it impossible to handle credit cards for customers. This situation is generally temporary and can be tried later.
5. Authentication failure: Many banks require applicants to provide identity documents to verify their identity. If the identification provided by the applicant is invalid, for example, the ID card is expired or destroyed, or it is inconsistent with the application information, the bank will not be able to approve the application.
6. The bank has reached the card opening quota: sometimes the bank will set the maximum number of cards opened every day or month. If the bank reaches the card opening limit within a certain period of time, it may refuse the applicant's card opening application. Or the applicant's card in the bank has reached the upper limit. When the upper limit is reached, the user can choose to cancel a card that is not used at ordinary times and then reapply.
In short, there are many reasons why you can't get a card in a bank. If this happens, it is suggested to consult the bank staff for specific reasons and try to solve the problem in order to successfully open a bank account and apply for a bank card.