In the case of China Merchants Bank, the audit needs our comprehensive evaluation, and there are many main reference factors, such as age, job stability, income, credit record, educational background and spending power.

2. What are the reasons for the rejection of China Merchants Bank loan?

Hello, during the preliminary examination, according to the information attached to your application and your specific situation, the credit card limit was comprehensively evaluated. Please refer to the evaluation results for the specific limit. The starting point of the credit line (fixed line) of our credit card is RMB11,000 yuan or equivalent, and the upper limit is RMB 50,000 yuan or equivalent. Under normal circumstances, the fixed amount of Puka is 1 1,000 yuan-1 1,000 yuan, and the fixed amount of Gold Card is 1 1,000 yuan-50,000 yuan. Generally speaking, the amount of a platinum card is a fixed amount of 50,000 yuan plus a temporary amount that is voluntarily adjusted for you every month. At this time, you can use the sum of the two parts for credit card consumption.

If you have any other questions, I suggest you consult "Customer Service Online" /cmu/icslogin.aspx? From=blogincmu=0. Thank you for your attention and support!

3. Why can't China Merchants Bank always apply for a lightning loan?

1.

Personal qualifications do not meet. The audit of credit loans of China Merchants Bank is mainly based on the close relationship between users and China Merchants Bank business and their own qualifications. Therefore, everyone's qualifications are different, and the success rate of applying for loans is also different. Under normal circumstances, the system will automatically evaluate the amount that users can apply for. Exceeding this limit may cause users to fail to apply for loans.

2.

The account is not active enough. Lightning loans are mainly aimed at people who have close business contacts with China Merchants Bank. If you only apply for a lightning loan and submit an application temporarily, the success rate of applying for a loan is very low. Therefore, friends who want to improve the success rate of applying for loans can increase their business in China Merchants Bank, such as handling deposits and purchasing wealth management products, and the larger the amount, the better.

3.

Personal credit is not good. If you have a bad credit record when using the loan products of China Merchants Bank before, then the application for lightning loan will definitely be rejected, such as overdue credit card and overdue mortgage. Therefore, friends who want to apply for a loan successfully must maintain their personal credit and avoid any violations.

4. The credit card (debit card) of China Merchants Bank failed to pass the examination.

If the credit card (debit card) audit result of China Merchants Bank is unqualified, it is mainly caused by the following reasons:

1, the credit does not meet the requirements.

To apply for a credit card (debit card) of China Merchants Bank, you must have good personal credit. There are bad records in personal credit records, including bank loans overdue, overdue online loan and overdue credit card (debit card), and the credit card (debit card) will not be approved.

2, the age does not meet the requirements

Different types of credit cards (debit cards) of China Merchants Bank have different age requirements for applicants. If the hard age condition does not meet the requirements, it is impossible to apply for a credit card (debit card).

3. Insufficient repayment ability.

To apply for a credit card (debit card), you need a stable income and job. For freelancers, you need to submit relevant financial certificates. If the above two items do not meet the requirements of the bank, then the bank will think that the customer's personal qualifications are not enough, thus rejecting the application for credit card (debit card).