Reasons and countermeasures for the rejection of card application;
There are always various reasons for the rejection of application cards, such as poor credit reporting and insufficient comprehensive evaluation.
Some friends are always complaining that the bank refuses to sign and it is difficult to apply for a card. Sister Ka, the old driver, shared her experience in handling your card a few days later:
The success rate of applying for credit cards through formal channels of banks is the highest, including the third-party cooperation channels of banks (Zhi Mo Bao, Wei Moxin, R360, etc.). ), bank official website, the bank's App counter.
As we all know, online application has become the mainstream. Banks not only vigorously promote credit cards on their own official website and App, but also work closely with third parties (Alipay, QQ, Rong360, etc.). ) issued credit cards, and more than 60% of users successfully applied for cards through the Internet.
As a supplementary channel for online application, the bank counter is the most important channel for offline card processing. It is worth noting that in offline application channels, 17% of users are credit card salesmen, and 5% of users are companies that collectively handle credit cards.
As I said at the beginning, many friends will be rejected by seconds. Compared with others, they just didn't pay attention to the following three items before handling the card.
First, good credit;
Second, the "family property" is rich;
The third is to choose correctly.
1. Good credit
To apply for a credit card bank, you must first check your personal credit records. Personal credit mainly includes personal credit card use/repayment information and loan information, as well as personal payment information such as telecommunications, water, electricity and gas. A good historical credit record can ensure that you get the card and get a satisfactory amount. Now life is linked with credit everywhere, don't you pay attention to it?
2. "Family property" is rich
This does not mean that you must have money to apply for a credit card, but that if the applicant has a stable job, social security, a fixed source of income or fixed assets such as a house and a car, it will be much less difficult to apply for a card.
Because credit cards are essentially small loans, that is, the funds that banks lend to cardholders for consumption according to your qualifications. How can I prove my repayment ability if I want to apply successfully? The financial strength of the applicant is the best proof. This is a cliche, as we all know, but it's a bit difficult to change it.
Choosing the right card is very important.
Choose a suitable bank according to your own situation and apply for a credit card with your own advantages.
For example, in choosing a bank, each bank has different characteristics, and Shenka can choose a bank that suits it according to its actual needs.
For example, it is easy for Bank of Communications to handle cards, like to send credit cards, the most popular Friday and so on. Suitable for you who like welfare;
CITIC Bank's cash installment is a relatively high amount, suitable for you who spend a lot;
Guangfa is suitable for you who like staging.
As far as choosing credit cards is concerned, some cards have advantages for some people. For example, the Bank of Communications Y-POWER card is only applicable to young people under 30. These are all things that should be noted. Know yourself and yourself. Only when you get a card can you approve it in seconds and have a good quota.