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If you have a credit card, why not pass it? How to check the reasons for credit card rejection?
At present, each bank has a variety of credit cards with different rights and interests. For this reason, many people will apply for two or three more cards with credit cards, but even if there is already a bank's credit card, it may be rejected. Then, if you have a credit card, why not pass it? How to check the reasons for credit card rejection? Let's take a look. if you have a credit card, why not pass it? It is normal for a credit card in the same bank to fail again. Unless you apply for a supplementary card, you will re-examine the applicant as long as you apply for a main card, focusing on the applicant's current credit conditions. After all, the credit conditions of the same person will change in different periods. Therefore, if the current credit conditions are not enough, such as having a serious bad record, or having a high personal debt ratio and a high total credit line, it will lead to the rejection of re-applying for a card. It is suggested that it is best to find out the reasons and solve the deficiencies before trying to apply for a card.

how to check the reasons for the credit card rejection? When a credit card is rejected, it will only prompt that the comprehensive score is insufficient. The specific reason depends on the applicant to find it himself. You can make a credit report to find out the reason. The credit report records the credit information of everyone in the past five years. After the credit card is rejected, we can find out the reasons by checking the credit information. We can roughly start with three sections, one is the credit record, the other is the public record, and the other is the inquiry record. 1. Among them, the credit record mainly depends on whether it is overdue. For example, if it is overdue for three times or six times in two years or is currently overdue, the credit card cannot be done; There is also the amount of arrears, that is, whether the outstanding debts of loans and credit cards exceed 5% of income. If there are high debts, it will also lead to the rejection of credit cards; There is also the number of credit institutions, that is, whether there are multiple loans. Many banks are sensitive to the number of credit card issuers. If there are more than four banks' credit cards, they will not grant cards again. 2. * * * See if there are any social bad behaviors, such as tax evasion, unpaid water and electricity bills in the future, and court enforcement records, which are not conducive to credit card applications. 3. Inquiry records depend on the number of hard inquiries, that is, the number and time when financial institutions, such as banks and lending institutions, inquire about credit information for reasons such as credit card approval, guarantee qualification examination and loan approval. If the number of times is relatively large and the time is concentrated, it means that the applicant's repayment ability is not very good, which will affect the credit card. The above is the introduction of "Why not pass the credit card again?" I hope it will help everyone.