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 fixed residential 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 has made malicious cash withdrawal in other banks, so the bank refused to apply for a credit card.
4. Falsification of work information: the company information and work information on the application materials must be consistent with the actual situation, otherwise it will not be accepted.
5. Bank limits the amount of approval: The number of credit cards approved by banks every day is limited, and those exceeding the limit will be rejected.
Why do credit cards always apply, but
Many times, credit card applications are rejected for both objective and subjective reasons. On the one hand, banks sometimes have strict auditing standards for applicants, or control the amount of cards issued in order to optimize risks; On the other hand, it may be that the applicant's own conditions do not meet the requirements of the bank and his credit record is poor, which leads to the rejection of the application. Details are as follows:
1. The applicant's age does not match: the credit card applicant must be a China citizen who has reached the age of 18 and has full civil capacity.
2. The applicant's work income does not match: the applicant must have a stable job and a legitimate source of income. If you have a job and income, you can guarantee that the applicant will pay off the credit card account.
3. The applicant's personal credit does not match: the bank will review the applicant's personal credit. If the personal credit is tainted, the bank will not pass the application.
4. Unable to contact the applicant: the bank will contact the applicant several times during the audit period to verify his personal situation. If the applicant's mobile phone number or address reserved in the bank is wrong, and the bank cannot contact the applicant, the bank will not approve his credit card application.
5. The applicant's health reasons: If the applicant has health problems, the bank will control the risk of the applicant during the review and consider whether to apply for a credit card.
6. The applicant's assets: If the credit card amount applied for is relatively high, the bank will ask him to provide corresponding assets certificates, such as real estate license, automobile driving license, stock securities, bank deposit certificates, payroll, etc. If the personal assets applied for do not meet the threshold conditions for applying for a credit card, the bank will not pass.
7. Frequent submission of applications: Applicants frequently apply for the same bank credit card, and submit the application form or cancel the submission many times, which is also the reason why the credit card application is not enough.
Why is the application for a credit card always rejected?
If you apply for a China Merchants Bank credit card, the common reasons for rejection are as follows:
1. Credit card review needs comprehensive evaluation of China Merchants Bank, and there are many reference factors, such as age, work, income, education, financial proof, as well as your card use and credit status in other banks;
2. Some cards are only for exclusive identity or specific areas (such as students applying for off-campus credit cards), and some cards jointly issued with partners need to provide the original membership number, otherwise the application will be affected;
3. The application for the secondary card should be related to parents, spouses and children, and some secondary cards should correspond to the main card, otherwise the application will fail.
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If the audit fails, you will be notified by SMS. If your work or financial information changes, it is recommended to resubmit the information application after 3 months.
(Response time: April 28th, 2020. Please refer to the latest business changes announced by China Merchants Bank in official website. )
The reasons for the failure of credit card application cannot escape these points.
Who has a credit card next door? Why is my credit card application always rejected? I believe many card friends have experienced this situation and hope to do something to change this situation. So, let's analyze the reasons for the failure of credit card application.
The 1. application does not meet the requirements.
Most credit cards have strict requirements on the applicant's gender, age and income. For example, China Merchants Bank's YOUNG card is only for people under the age of 30, and Guangfa True Love Card is specially designed for female friends. The bank's platinum card and gold card have certain requirements for applicants' income, and some cards are specially designed for college students.
Therefore, if you don't know the specific requirements of a credit card before applying for it, and you just don't meet the requirements of a credit card, your credit card application will naturally be rejected by the bank.
2. Bad credit record
The applicant's personal credit record has an important influence on the success of credit card application. For people with bad credit records, even if the salary is 654.38+200,000, the bank may not approve his credit card application. Because after you submit your credit card application, the bank will review your credit history in the past two years. Therefore, it is necessary to keep repayment on time within at least two years, and there is no bad credit record.
3. Incomplete application materials
Incomplete application materials are the reason why most cardholders fail to apply for credit cards. Because the authenticity and integrity of information are the primary factors that determine whether you can do it. If you provide false information, the bank will not hesitate to reject your application after investigation, so don't take any chances. Of course, if the personal information is incomplete and lacks some necessary information, then the bank will not apply through you.
Therefore, when filling in the information, we must ensure the authenticity and integrity. If the credit card application fails, you may wish to see whether the information you fill in meets these two conditions first.
4. Encounter black intermediary structure
At present, there are many black intermediaries on the Internet, which induce card friends to handle cards in their designated channels through various means, and then defraud money and personal information. These black institutions simply do not have the conditions to open cards. There is no doubt that your credit card application is certainly a failure.
Therefore, card friends should be alert to these black organizations on the Internet, don't be deceived, and must apply for a credit card through formal channels, such as going to the bank's business hall, applying for a credit card on the bank's official WeChat account and the bank's official website.
5. Missed the call of credit investigation.
If you miss the bank's credit call, the bank will not be able to verify your information in time, and your credit card application will also fail. Therefore, once you apply for a credit card, you should pay attention to the phone number of the bank and don't miss it.
After accepting the applicant's credit card application, the bank will investigate the authenticity and completeness of the information provided by the applicant by telephone or face-to-face investigation. After the investigation is completed, the internal system of the bank will be used to check whether the applicant meets the requirements of using the card and whether the credit record is good. Finally, a comprehensive score is obtained through investigation and review. If the comprehensive score does not meet the requirements for issuing bank cards, your credit card application will also be rejected.
These are the reasons why the credit card application failed. Those card friends who are still worried about why their credit card applications always fail can find the reasons from the above six aspects in combination with their own situation. I hope every cardholder can apply for a credit card quickly.
Why do you always fail to apply for a credit card? There are these reasons.
Many people want to apply for a credit card for their daily expenses, but every application is always rejected. For others, it seems easy to apply for a credit card. Why? In fact, there are many reasons why the credit card application is not approved, including the applicant's credit conditions and some external factors.
Why do you always fail to apply for a credit card?
1, overdue
Generally, you can see the repayment of loans and existing credit cards from the credit report. Although some may only be overdue once or twice occasionally, it will affect the application for credit cards in the future, especially in the past two years, if the number of overdue times reaches three to six, it is best not to apply, pay off the overdue debts, and come back five years later to eliminate bad credit.
2. Multiple credit granting
Generally speaking, the issuance of credit cards by more than three banks, or loans from more than two institutions, will make banks think that the applicant's funds are relatively tight, and applying for a credit card will have the risk of raising cards with cards and raising loans with cards. Even if it is not overdue at present, the potential risk of overdue is high, and it will be directly circled into the gray list.
3. High debt ratio
The loan amount and credit card usage amount shown in the credit report are personal liabilities. The bank will count the total liabilities and then calculate the debt ratio according to the formula: personal debt ratio = total liabilities/total income 100%. If the personal debt ratio exceeds 70%, basically all banks will refuse the card. If it exceeds 60%, the probability of card rejection is higher.
4. Information fraud
There are many intermediaries in the market now, claiming that they can help you package the information and improve the success rate of card processing. Be careful when you do this. After all, the banking system will analyze the authenticity of the information you submit through big data. If fraud is found, it may be blacklisted by the bank.
In addition, the failure of credit card application is also related to the level of the card and the bank threshold. In short, you can apply according to your own conditions and needs.
Introduced here, credit card applications always fail.