4 major reasons tell you why the credit card application was rejected?
I believe that many of my friends have had the experience of applying for a credit card to be rejected.
However, many people are confused about the reasons for the rejection of the application for credit cards, and even do not understand why the application will be rejected.
Usually, the bank will not tell you why the application was rejected.
I will only say, I am sorry, your comprehensive rating is not enough to handle.
See why your credit card application was rejected?
1. The credit history is not good.
If you already have a credit card before applying for a new credit card, you should check if you have a bad record before applying for a new one.
Because many people don't know that their credit card has been overdue. If the overdue time is long, the credit history will be tainted, making it difficult to apply for a new card.
2, the basic conditions are not up to standard
The reason for the most rejected credit card application is that the information you provided is incomplete, resulting in insufficient comprehensive ratings.
The comprehensive rating information here includes your age, length of service, salary, education, position, etc. When applying for a credit card, the information provided is as detailed as possible.
But the premise is to ensure the authenticity of the information, and not to have the luck of the bank will not check.
3, too many credit cards
The number of credit cards is actually not a good thing for us. 2-3 cards are more reasonable. If there are already more than a dozen cards, the probability of applying for a new card will be relatively low.
Because the bank will also consider, do you really need so many cards?
In turn, the bank will have your doubts about cash repayment, that is, the amount of another credit card will be used to pay back the debts of other credit cards.
So, if you already have a lot of credit cards and then apply for a credit card to be rejected, this should be the reason.
4, did not receive a credit call
After you submit your credit card details, most banks will call you a letter, and sometimes you will call your company.
At this time, you must ensure that you can receive this call. If you have not received it once or twice, or the phone will not be able to get through, the bank will think that the information you submitted is not true, so you will reject your application.
If you are unfortunately rejected by the bank, give you a trick.
The application for a credit card has been rejected, and some banks have been able to apply again after 2-3 months. Some banks can apply quickly after one month of application.
In addition, the failure of a bank application does not mean that you will be rejected if you apply to another bank.
There is no way to go, if you are in a hurry, you may want to try another bank.
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