Extended answer:
1, bank credit card application materials:
(1) identification information:
Copy of resident identity card or military officer's card; If you are a Hong Kong and Macao compatriot, you need to provide a copy of your mainland pass and residence certificate for more than one year; If you are a foreigner, you can provide a copy of your passport and residence permit for more than one year.
② Proof of work and income:
Salary certificate or business card and photo badge.
Proof materials that can prove that you have good economic strength: copy of real estate license and copy of automobile driving license; Copy of bank loan account (good credit, overdue for no more than 60 days) or deposit certificate.
2. The real reason for refusing the loan application:
(1) False assets: the applicant owns luxury houses and luxury cars that are inconsistent with the normal income situation, and the application time for property rights and loans is relatively short (at present, luxury houses are generally depreciated and have no market value, and the disposal risk is much higher than that of ordinary loan products).
(2) High debt ratio: The applicant's debt ratio should not exceed 70%. Applications with high debt ratio are easily rejected because of simple reasons and high potential risks.
(3) Exaggeration ability: Applicants who can accept the loan interest rate above 10% will tend to think that the purpose of the loan you submitted contains false information, and the bank will believe you in this respect. Therefore, applicants should not talk big, truthfully reflect the situation and strive to gain more trust.
(4) Poor credit information: The bank focuses on the credit information in the past two years. If it is overdue at present, it is the most deadly. Therefore, in order to successfully approve the loan, the applicant must maintain a good credit record.