For many card friends, it should be easy to apply for a credit card as long as their credit information is not overdue, but many card friends report that their credit card applications are always rejected. In fact, there are many reasons why credit card applications are rejected. Credit investigation is only a part, and there are other special reasons. If you don't do well, your credit card application will also be rejected. So today, Xiao Qin will share with you the reasons why the credit card application was rejected and how to solve it, so that we can easily get rid of the card and interested friends can continue reading.
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 first and use the skill of "creating three N-single-currency cards with a credit account". In three months, they can directly isolate the original records that exceed the limit, and directly achieve 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,
Reasons for credit card rejection
Credit card applications may be rejected for the following reasons:
1. Incomplete application materials: some key information is missing in the application materials of credit cards, such as no detailed permanent residence address.
2. Credit stain: If the applicant has a bad credit record, the bank will refuse to approve the credit card.
3. Malicious cash withdrawal: the applicant made malicious cash withdrawal in other banks, so the bank refused to apply for a credit card.
4. Falsification of work information: application materials. The above company information and work information must be consistent with the actual situation, otherwise it will be rejected.
5. Bank limits the amount of approval: There is a limit on the number of credit cards approved by the bank every day, and if it exceeds the limit, it will be rejected.
Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement, cash deposit and withdrawal, etc. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.
Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.
Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.
From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).
On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.
Why is the credit card rejected?
Reasons for rejection of credit card application:
1. Personal credit information is not innocent.
It is normal for a person with a bad credit record to be refused a card. Before handling, be sure to check your credit report for the past year.
2. The basic conditions are not up to standard
Minors or unstable jobs make banks feel unable to repay.
3. There is something wrong with the application materials
On the one hand, to apply for a credit card, you need to prepare complete information, from personal basic information to financial proof. If the applicant provides detailed application materials and can effectively verify them, the possibility of credit card approval will be greatly improved. On the other hand, filling out the application form is also a technical job. For example, the recommender, company phone number and card address in the application form are all extra points for applying for a credit card, so don't ignore them easily!
4. The average comprehensive credit score is low
It may be because one factor in personal qualifications is not up to standard, which leads to the comprehensive score not meeting the requirements stipulated by the bank. So in daily life, we should pay attention to all aspects.
5. Apply for a credit card frequently
When the bank examines and approves the information of the credit card applicant, it will inquire about the applicant's credit report. So it will leave a record of the bank's inquiry report. If the applicant applies for a credit card intensively in a short time, it is easy to be suspected as a high-risk customer by the bank, resulting in the rejection of the card application.
Precautions for credit card use:
1. Pay attention to two dates: bookkeeping date and repayment date.
Generally, the repayment date is 20 or 25 days after the bill date, with the longest interest-free period and the shortest interest-free period.
2. Credit card information should be protected.
The three key information on the face of a credit card: the expiration date and the CVV code, affect your card security, especially the CVV code, which is as important as the password. It is recommended to cover CVV code with correction fluid or sticker, and some people are even worse. Scrape off the CVV password with a blade and remember these three numbers.
3. swipe your card frequently, free of annual fee; Only when the repayment is made on time can the amount be withdrawn.
Generally, you can avoid the annual fee by swiping your card six times. So be sure to pay the annual fee. In addition, we can increase the credit card limit by swiping more cards and swiping frequently. At the same time, being able to repay on time and maintain a good credit record is also a way to improve the credit limit. Moreover, it is also very convenient to pay without a card for mobile phone POS, which belongs to online consumption. Combined with daily offline consumption, a variety of combinations are used.
4. Choose the repayment method that suits you best.
In this information age, repayment methods are diversified, and you don't have to go to bank outlets or ATM to transfer repayment.
5. If you can't, or delay repayment due to something, you can call customer service to apply for deferred repayment.
If your funds can't be turned over temporarily, or you are delayed in repayment due to something, don't worry, call the bank customer service immediately and apply for a delay of repayment for one to three days.
Why is the application for a credit card always rejected? There are these reasons.
In daily life, many people use credit cards for spending. Compared with bank loans, the threshold of credit cards is still relatively low. However, there are still many people who have been refused credit cards, mostly because they didn't pay attention to the details. The following are some common reasons for credit card rejection, I hope it will help you.
1, income is too low.
If you apply for a credit card on your own, you can refuse to repay it. After all, the money in the credit card belongs to the bank, and the bank only allows you to overdraw in advance, so the income of the applicant directly affects its repayment ability. If the income is too low and the repayment ability is not good, don't even think about it. The bank will definitely not approve the card.
2. Missed answering the phone
Many banks, for those who apply for a credit card for the first time or online, will call back during the audit process to verify the authenticity of the applicant's information and whether they have applied for it themselves. If the applicant misses or refuses to answer, it is very likely that the credit card will be refused. So everyone should pay attention to the answer. If they are busy, they should talk to each other instead of refusing to answer.
3. The debt is too high
High debt will also affect repayment ability. Even if the income is high, there are too many debts. After the monthly income is used to pay off debts, there is little left, which requires daily expenses. If the credit card is overdrawn again, it is easy to have no money to repay.
4, high-risk occupation
If you are a high-risk professional worker in service industry, high-risk occupation, sales, etc., unstable income may also lead to credit card rejection.
5. Bad credit report
Not necessarily bad credit. If you apply for multiple bank credit cards and loans in a short time, leaving too many inquiry records in the credit information system, this kind of hard inquiry will make the bank think that the applicants are short of money and it is risky to issue cards to them.
What are the reasons for the rejection of credit card applications?
What are the reasons for the rejection of credit card application and the failure of credit card application?
The reasons why users are refused to apply for credit cards are: frequently applying for various credit businesses in a short period of time; Personal credit reporting is bad, and there are overdue records in the credit reporting; Personal debt ratio is too high and repayment ability is insufficient; No stable job and income; Does not meet the age requirements for applying for a credit card; The user has been blacklisted by the bank.
Under the above circumstances, the user's application for a credit card will be rejected. Users must solve the problem first and then apply for a credit card. Repeated application will only lead to the waste of personal credit information.
What are the reasons for not applying for a credit card?
1, the age does not meet the requirements: generally speaking, if the user is 18 years old and above, then you can apply for a credit card. However, some banks or certain card types have strict requirements, and the requirements are between 22 and 23 years old.
2. Too many credit cards have been applied: because users apply for loans or credit cards with their current credit status, banks will have an upper limit on the estimated amount. Suppose you apply for more than one credit card in the bank, and the credit limit is close to the upper limit, so it is easy to be rejected if you apply again.
3. Personal repayment ability is average: credit card debts are paid every month, which naturally requires users to have a stable source of economic income. It is difficult for the "three noes" who have no job to apply for the exam.
4. Credit: If the user is seriously overdue or has high personal debt, it can be seen in the credit report that the bank will refuse on the grounds of risk.
The following are the credit card channels of Ping An Bank, China Merchants Bank, Industrial and Commercial Bank, Agricultural Bank, China Construction Bank, Minsheng Bank, China Everbright Bank and China CITIC Bank. You can apply for it yourself if necessary!
Credit card applications of China Merchants Bank and Ping An Bank
Credit card applications of China Everbright Bank and China CITIC Bank
Credit card applications of Agricultural Bank and Minsheng Bank
So much for the introduction of why the application for a credit card was rejected.