When applying for a credit card, we usually need to provide a variety of information to prove that the ultimate ability is to prove their financial ability, that is, repayment ability. Having sufficient repayment ability is one of the important indicators for bank card issuance.
However, not all credit cards are rejected because of "poor". In addition to "poor", there are other factors in the rejection of Shenka.
Dot limit
Most credit card applications now need to go to the bank outlet for face-to-face, and if the bank you apply for has no outlets in the local area, the possibility of rejection will increase.
Because, in the process of bank audit, it will also consider whether the cardholder has a local bank outlet, which involves subsequent maintenance costs. Generally, there are more outlets in state-owned banks, while commercial banks have relatively fewer outlets.
Regional restrictions
Although the economic strength of rural people is not necessarily worse than that of people in cities. However, the bank will consider the relevant factors such as job stability, so it is not easy in the city to apply for a card in the countryside.
wrong selection
The choice of Shenka is very particular. If your conditions are normal, you should avoid choosing the high-level cards such as the Platinum Card of the four major banks when applying. The consequences of this will most likely be rejected.
If it is an ordinary wage earner, it is best to choose a Puka or Gold card for the first time, so the card rate will be relatively high. At the same time, in terms of bank selection, you can consider commercial banks first.
Error
The credit card application form needs to be filled out carefully. Some card friends don't pay attention to the information filling, so they can write it casually. This kind of sloppy state brings the Shenka rejected.
From another perspective, in fact, filling out the form carefully is also the first step in your integrity. At the same time, it is to avoid the bank's accident during the return visit, or to contact the person, or the information does not match.
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In order to improve the credit card application success rate, the basic work must be done well, and the opportunity is always reserved for those who are prepared. Repeatedly and repeatedly refused, there must be a reason, may wish to prepare the most basic application conditions, in order to help the success of the application.
1. Prerequisites Age: Applicant must be at least 18 years of age and have full civil capacity;
Credit: An individual with a good credit history.
Proof of identity: Cardholders are required to provide valid identification documents.
2. The financial strength certificate can be the bank's payroll record, or the income tax withholding certificate, housing, car, deposit and investment market value documents (such as real estate license / car driving permit / bank deposit certificate) can prove your financial level data of.
The documents available for reference also include a list of social security personal accounts for nearly 6 months, water and gas bills, and other credit card bills.
3. Work certificate The original work certificate issued by the employer (specify the specific company name, position, department and income, must be stamped with the company's official seal or personnel chapter), verified by the promoters and marked the work permit\ Copies can also be used as proof of work.
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