The online application of CITIC Credit Card was rejected. What happened? There is no problem with credit reporting. Then if I bring my work certificate and income certificate to the counter, will it pass? When the bank receives the applicant's credit card application, it will make a comprehensive score according to the information submitted by the applicant. Basically, the score will involve age, gender, unit, income, position, housing education, marriage, real estate property rights, credit records and other items. Every credit card applicant will get a score, which will determine whether Bank of Communications will approve the card and the amount of the card. Once rejected, you can summarize the reasons for rejection, so that the next time (usually you can apply for a credit card again after three months of rejection), you can provide more detailed information and provide the approval rate:

Credit card approval failed: the applicant has a bad credit record,

The applicant's credit record will also be an important reason why the credit card cannot pass the examination and approval. No matter how high an applicant's income is, how many jobs he has, or even how high his assets are, if the applicant's credit record is poor and there are many overdue records, Bank of Communications will think that although the applicant has the ability to repay, he may be lazy, that is, he can repay but not repay. For banks, such cardholders are not more valuable than those who have no repayment ability, so it will also lead to the invalidation of Bank of Communications credit cards.

Reason 2: The applicant has no local card-issuing bank outlets.

Although the Bank of Communications did not explicitly indicate that applicants in some areas could not apply for a credit card, according to the reaction of most people, the Bank of Communications would directly reject the application information without bank outlets in this area when approving credit cards.

The credit card failed to pass the examination and approval. Reason 3: There are too many credit cards.

If the applicant holds too many credit cards, Bank of Communications will consider whether the overall credit limit of the credit card he holds now is still able to repay the new credit card compared with his income. For example, although the applicant earns more than 10,000 yuan a month, he already has three or four credit cards with tens of thousands of yuan, then Bank of Communications will think that the applicant's comprehensive credit ability has exceeded, and there will be a risk that he will not be able to repay the card, because such an applicant will also fail the credit card approval;

The credit card failed to pass the examination and approval. Reason 4: The applicant's repayment ability is insufficient.

The applicant's insufficient repayment ability will involve two aspects. One is the income level of the applicant. If the applicant's income is too low and exceeds the bottom line of credit card issuance, Bank of Communications will not approve it;

On the other hand, whether the applicant's job is stable or not, many applicants have high incomes, but because of the unstable income sources, such as self-employed, Bank of Communications will be worried about the applicant's future repayment ability and may refuse the visa;