The so-called comprehensive score when applying for a credit card refers to the information you fill in when filling out the application form: work, annual salary, housing status, education, marital status, number of dependents, etc. Every major bank has its own scoring system. After the auditor inputs this information into the computer, the computer will automatically calculate the score according to the above situation.

Computer grading is only the first step, and then manual review is needed. According to the information you provide, the bank will also investigate your personal credit report. If you also submit financial and personal ability certificates such as real estate and professional qualification certificates, these banks will investigate and affect your overall score. If the information is found inconsistent, the bank will also give the conclusion that the comprehensive score is insufficient.

Every bank has different scoring standards. Applicants may use the same information to apply for a credit card from another bank and get a gold card. In addition, some bank cards are approved by the head office, and some are in local branches. Local policies are even more unpredictable.

What is the second refusal of CITIC Bank's credit card? First, the accuracy of information. It is right to provide asset information as much as possible when applying for a credit card. The key is accurate and complete information. Showing real estate license and vehicle driving license refers to the real estate and vehicle products under your name, and parents can't; The work certificate must have the official seal of the unit, clearly indicating the company name, department and post; The telephone number of the relevant contact person should be accurate and cannot be filled in indiscriminately. The bank will really call for a phone call.

Second, submitting an application at multiple banks at the same time not only does not increase the probability of getting a card, but the bank will also suspect that you have a malicious overdraft tendency and will not approve it. Some people ran all the way to the dark, repeatedly applied for cards, and were repeatedly rejected.

In fact, after the credit card is rejected, it is best to apply again three months later. Unless you can provide more favorable information, the bank will think that your short-term situation will not change and refuse to re-approve.

The bank will investigate your repayment records in the last 24 months when approving. If you are overdue for many times recently, or you still have outstanding debts, the bank will think that you don't have the ability to repay on time and refuse to approve. It should be noted that not only the use of credit cards is related to credit records, but also mortgages and car loans will affect credit records.

CITIC Bank failed to apply for a credit card. Can I reapply? 1. Those who apply for a credit card must first look at the reasons for the failure of the application.

2. After the applicant knows the reasons for the unsuccessful application, he can make targeted improvements and then reapply.

There is no need for the applicant to apply again if he can't improve the shortcomings after knowing the reasons for the unsuccessful application.

CITIC Bank failed to apply for a credit card. Can I apply repeatedly? It's no use applying repeatedly. You must apply again at least every three months.

You can apply to several other banks at the same time, or you can apply to several banks at once, without waiting for CITIC.

What's the matter with more and more credit cards in CITIC Bank? As long as you don't repay in full and on time, there will be a penalty interest, which is of course higher than the principal you actually use;

How does the credit card consumption of CITIC Bank exceed the limit? hello

Literally, you can't spend that much money by swiping your card. Reason: 1. The customer sets a single limit. 2. Online trading or bank risk control limit. 3. Because customers' bad credit card records are monitored by the bank, the bank limits the single amount in certain merchants (some people will use credit cards to do business because credit cards have an interest-free period, in fact, this bank can monitor them). You can call the bank customer service center for specific reasons. Their system has your credit card record, and you can see why. Let's talk about the solution first. 1. Just reset yourself. 2. Improve personal online banking information or call bank customer service to apply for large-scale consumption. 3. For diversified consumption within a period of time, the bank will automatically lift the restrictions after monitoring that it meets the conditions.

I applied for the credit card of China CITIC Bank three times, and the bank said that the comprehensive score was just right, and the bank would not tell me the specific reasons for the application, saying that the comprehensive score was insufficient. It may be that your credit information is poor, or it may be that the work and financial resources provided are insufficient.

What's the matter with the credit card of CITIC Bank swiping pos machine? Contact Ping An Bank.

40-The transaction failed. Please contact the issuing bank with a transaction type that is not supported by the issuing bank, the balance in check card and the correct operation process, and swipe your card again.