It is also possible that the bank found the customer's credit stain in the process of understanding and inquiring about the customer's assets, credit standing and personal credit information. China People's Bank and other legally established credit reporting institutions, other relevant legal entities, relevant departments and individuals.
Extended data:
Reasons for refusing credit card application
(1) "Accidental Injury" Credit granted by Bai Hua and Baitiao.
Consumer financial products, such as Ant Flower Blossom and JD.COM White Strips, may be regarded as the risk of multiple loans by banks if they apply intensively or excessively within a period of time, just like bank credit cards.
(2) Frequent personal credit inquiries
If a person intensively inquires about personal credit information for a period of time, it may also make the bank feel that "this person is very short of money", thus causing vigilance.
(3) The contact information is not my real name
In the process of approving credit cards, it is very important for banks to check the information with the applicant by telephone after checking whether there are past overdue records, personal work, income level and so on. However, there will be many problems in this link.
Huaxia Bank-Huaxia Credit Card (Personal Card) Bill Acquisition Contract
People's Daily Online-N reasons for the rejection of credit card applications.