The applicant's insufficient repayment ability will involve two aspects. (Jing Xiang said card A) 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, CCB will not approve it. On the other hand, it is whether the applicants' jobs are stable, and many applicants have high incomes. However, due to unstable sources of income, such as self-employed, CCB will worry that the applicant's repayment ability in the future may also be rejected.
Reason 2: the applicant's credit record is not good.
The applicant's credit record will also be an important reason for the failure of credit card approval. No matter how high an applicant's income is, how many jobs he has, or even how many assets he has, if the applicant's credit record is poor and there are many overdue records, CCB 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 failure to approve CCB credit cards.
Reason 3: The applicant has no local card-issuing bank outlets.
Although CCB did not explicitly indicate that applicants in some areas cannot apply for credit cards when applying for credit cards, CCB will directly reject the application information without bank outlets in this area when approving credit cards.
Reason 4: There are too many credit cards.
If the applicant holds too many credit cards, CCB will consider whether the overall credit limit of his current credit card can repay the new credit card relative to 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 CCB 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 if he is issued a card again, because such an applicant will also fail the credit card approval.