Many friends will call the bank to ask why they failed after their application for credit card was rejected. Most people get the answer that the comprehensive score of credit cards is insufficient. What do you mean by insufficient comprehensive credit card score? What is the comprehensive credit card scoring standard? This should be what the rejected applicants want to know most. The following small series will explain this problem.
In fact, banks have a computerized scoring system. After the auditor inputs the applicant's information into the computer, the computer will automatically calculate the score according to the above situation. For example, if the doctoral degree is three points, then the graduate student is two points and the undergraduate student is one point. Finally, the computer gives the score, and then when the bank calculates the applicant's score, there will be a standard, such as 50 points or less, and it is recommended to refuse; 50~80, recommend Puka; Above 80, gold card is recommended.
The above is just an example. Banks do not follow this standard. Moreover, the grading standards of each bank are different. Applicants with insufficient comprehensive scores in one bank may get a gold card if they apply for a credit card in another bank with the same information. As this standard of the bank is kept secret from the outside world, we have no way of knowing the specific standard. Although there are some grading standards circulating on the Internet, their authenticity needs to be verified. Just look, don't take it seriously.
So the score scored by this computer is the comprehensive score when applying for a credit card? Does the lack of comprehensive score mean that this score is not enough? Not exactly. The scoring standard is just a scoring standard, which is to give customers a rating evaluation. It will not have a decisive impact on the final audit, nor is it the only basis for decision-making. It excludes subjective decisions such as green passage, situation verification and other promotion policies. After the applicant submits the application, the bank will check his social security situation to guess his salary; He will also transfer his credit report to PBOC；; In addition to filling in the complete credit card application form, these banks will also check the financial resources and personal ability certificates such as real estate and professional qualification certificates submitted. If the information is found to be inconsistent with the content filled in, it will lead to card rejection.
There are many reasons for the rejection of the application, some of which have nothing to do with the comprehensive score. For example, the bank failed to get through to the applicant's phone, but in the end, the reason given by the bank to the applicant was mostly that the individual's comprehensive score was insufficient. In some cases, the applicant cannot decide. What the applicant can do is to prepare as many accurate and true application materials as possible.