First, the comprehensive score is insufficient.
I believe this is why many card friends are rejected. What is the lack of comprehensive score? It is your internal big data in the bank, and your personal credit information is external big data. Your credit investigation is not overdue, but you need to do a good job in the internal information of the bank you applied for, establish the bank's attention and improve your internal score in the bank, otherwise you will be rejected by the bank if you don't apply for anything. So how do you improve your attention in the bank and establish a comprehensive score? Interested card friends can consult Xiao Qin.
Second, the card selection
Credit cards are also graded. The higher the card type, the higher the requirements for the applicant. If you don't apply according to your actual qualifications, you are likely to be rejected. On the contrary, if you can choose the card type according to your personal qualifications, the success rate will be improved a lot.
Third, there is too much long-term credit.
Multi-head credit refers to the behavior of two or more financial institutions granting credit to the same customer, including credit cards, credit lines and credit lines of various financial institutions. When a person has too many credit reporting agencies, it is easy for a credit card application to be rejected because of multiple credits. At present, the multi-head credit for construction, investment promotion, agriculture, people's livelihood and Guangfa is very strict. Is there any way to get rid of it
1, optimize credit.
Credit card users whose credit cards or inquiry records exceed the limit are also a kind of multi-head credit. If the limit has been exceeded, stop the application and use the skill of "creating 3n+ 1 foreign currency single currency card for credit card account". In three months' time, they can directly isolate the original records that exceed the limit, and directly realize the effect of reshaping credit information. I don't know if I can consult Qin Xiao WeChat for study.
2. Cancel unused credit platforms
You used to have a financial platform and an authorization line. If it is no longer used, it is recommended to log out directly. Generally, financial platforms with authorized lines all collect credit at meetings, which will also affect multi-head credit granting.
3. Create high-quality credit cards
Many people think that the more credit cards, the better. In fact, 3-6 cards are usually enough. There are not many cards, but in essence there are many credit cards, which will not help you increase your credit limit, but will also affect the bank's giving you a higher credit limit. So according to the situation of your existing bank, cancel the credit card of the bank with little room for improvement. After simplifying the cards, through the special "dense card" skills,