1. Incomplete application materials:
Sometimes, when people apply for a card, they often submit insufficient information, which can easily lead to the rejection of the card application, because the bank will review it according to the information submitted by you, and the information is incomplete. Even if the credit is good, the bank can't evaluate it, so it may be rejected.
2. The information filled in is untrue:
Many people have seen various card handling skills on the Internet, and mentioned that you can exaggerate as much as possible when filling in the application materials. Such as education and income. In this case, once the bank finds that the application information you fill in is problematic and untrue, even if the credit information is ok, it may be rejected.
3. The applicant institution or channel is wrong:
Be sure to apply for a credit card in an official institution or a third party authorized by an official institution, or you will fall into the trap of a black intermediary unconsciously. This not only prevents you from getting a credit card, but also leads to the disclosure of personal information, causing irreparable economic losses.
4, the debt ratio is too high:
When applying for a credit card, the bank will also evaluate your repayment ability. After all, the high debt ratio may lead to insufficient repayment ability. The bank will refuse to approve the card for fear that the inability to repay the card will be overdue and increase the bad debt rate.
Extended data:
China people's personal credit can be queried through two channels:
1. Bring my ID card or client's ID card and power of attorney, and provide my ID card to the credit inquiry window of the People's Bank of China to print personal credit records;
2. Open the official website of China People's Credit Information Center, match the mobile phone number with the registered account number of the ID card, and submit the personal credit information record inquiry application in the personal inquiry column. Usually, the mobile phone will receive the inquiry code from the credit information center within 72 hours. Open the official website login account of China People's Credit Information Center again, and enter the inquiry code of SMS in the personal inquiry column to access personal credit information.