Reasons why credit cards are always unavailable:
The application amount is too high to accept other quotas, and the bank cannot approve it;
There are problems with the information submitted to the bank, but after repeated applications, the possibility of this problem is relatively small;
I really don't think there is a bad record. For example, a customer also said that he didn't have a bad record, but in fact he gave a friend a loan as a guarantee, and the friend didn't pay it back in time, so he also had a bad record.
Credit card is always an inapplicable solution;
Try some smaller banks, such as China Merchants Bank. Generally speaking, the examination and approval system of big banks is strict, and it is much easier for small banks.
In addition, if you apply online, you'd better go to the bank to sign in person, because if you apply online, the property certificates such as cars and houses are basically conditions that cannot be submitted, and it is normal to be rejected.
Supplementary explanation:
Matters needing attention in applying for a credit card:
Customers must not have bad credit records in the bank;
The more proof of property provided when handling credit cards, the better. Salary income, real estate license, automobile driving license, etc. And the running records of bank account numbers. The more these property certificates are given, the higher the credibility of banks to customers and the more convenient it is to use credit cards.
Laibin Rural Credit Cooperative Yi Zhenbao Credit Card has expired. Can I renew it?
When the credit card expires, you can contact the customer service phone on the back of the card and ask for a new card. There is no charge and no need to fill in other information.
Can guests apply for CITIC Bank credit card?
As long as there is a local branch of CITIC Bank, you can apply for CITIC Credit Card.
First, there are two main conditions for applying for a credit card:
1, age requirement: 18-60 years old;
2. Have a stable job and income source.
Second, the materials and certificates that need to be provided when handling:
1. Domestic residents only need to provide: a completed and signed application form, identity certificate, residence certificate and income certificate;
2. Foreigners and Hong Kong, Macao and Taiwan people also need to provide: a foreigner's residence permit (the reason for residence must be employment) or a foreigner/Hong Kong, Macao and Taiwan people's employment permit;
3. If it is a private owner, in addition to the above information, a copy of the industrial and commercial business license showing the name of the applicant, the name of the enterprise and the opening date shall also be provided.
3. If you want to apply for a large credit card, you need to provide a good proof of economic strength, such as a copy of the real estate license and a copy of the car driving license; Bank loan account (good credit, overdue for no more than 60 days) or copy of deposit certificate, etc.
Do guests have credit card points to redeem?
From February 1 day, 2022 to February 1 day, 2022 (inclusive), if you are the following designated credit card holders, you can participate in the activity of "Enjoy Life for 9" and exchange 9 yuan or 9 points for wonderful rights and interests.
An activity
Target audience: HSBC Life Credit Card Principal Cardholder
Activities: shopping, phone bills, videos, food, music, transportation and sports rights "9 is up to you"
So much for the introduction of guest credit cards.