Why are some people having a hard time getting a credit card? There are several reasons

Many people think that credit cards are better without collateral security, but this is not the case. As a product of the bank, the credit card threshold is no longer low, there are requirements, the bank will be a comprehensive assessment of the applicant's situation, the score to meet the standard to pass, otherwise it will be rejected. And some people do not do well with credit cards, all have these characteristics, take a look.

Why are some people not good at getting credit cards?

1, age does not meet: age is one of the factors that the bank to determine the applicant's ability to repay the loan, although the age of 18 years old can run the card, but generally 22 to 45 years old will be more popular, which is suitable for the age of struggle, income is relatively stable, coupled with most of the family, the ability to repay the loan is also strong point. Age too small income is not stable, too big health, income may not be as good as before.

2, there is bad credit: good credit in the credit society is very important, especially to do credit cards will check the credit, if the applicant has a credit record, and have been on time repayment, that repayment will be good and have the ability to pay back, on the contrary, there is a bad record or violations, to do credit cards is very difficult to do down.

3, no stable income: some people although at work but not stable, like salesmen, insurance, waiters, etc., and a variety of sensitive occupations it is difficult to do down the credit card; and just work less than a year, some even the probationary period may not be able to pass, the bank will not take the risk of approving the card, usually only work for more than 1 year of more stable to do card.

4, back too much debt: the applicant if owed a lot of loans, credit cards, in the credit check out the debt is too high, every month's salary have to take to pay off the debt, even the basic life can not be guaranteed, the bank will certainly refuse to credit card applications for fear of using the credit card can not afford to pay.

The above is "why some people do not do credit card" related to the introduction, I hope to help you.

What is the reason why I can't get my credit card?

One,

There are many reasons why credit card applications don't go through, such as:

1. Age: Credit cards have certain age requirements for applicants, most of which are 18 years old or older, but some have to be 20 years old or 22 or 23 years old. If the applicant's age is not up to standard, he or she will not be able to get a credit card.

2. Credit problems: If you want to apply for a credit card, the applicant's credit must be good, and there must be no bad credit on the credit report. Otherwise, the bank will most likely refuse to approve the card.

3. Insufficient repayment ability: When applying for a credit card, the bank usually requires the applicant to provide some economic income, asset information to prove that they have the ability to repay the loan on time, and some banks credit cards also specifically stipulate that the applicant's yearly (monthly) after-tax income should reach a certain level. If the applicant can't prove that he or she has the ability to repay the loan on time, then the application is likely to fail.

4. Too many credit cards: If an applicant has too many credit cards and too much debt, he or she may not be able to apply for a card, and even if he or she does apply for a card, the approved amount may be low.

5. Frequent credit card applications: If an applicant has been applying for a credit card for a while, it can lead to a rejection. After all, frequent credit card applications are easy to spend credit, and may make the bank suspect that the applicant's financial life is unstable, which will have a certain impact on the approval of the credit card.

Second, credit card related content

1. do not need to deposit overdraft consumption, and can enjoy 20-56 days of interest-free period on-time repayment of the interest is not charged (most banks cash on the day of the interest will be charged five ten thousandths of a cent, there is also 2% of the handling fee, industrial and commercial banks cash free of handling fees, only interest);

2. shopping card not only safe, convenient, there are points gift;

2.

3. You can enjoy discounts when you spend money at the bank's authorized merchants with your card;

4. You can build up your personal credit and add honesty records to your credit file, which will benefit you for the rest of your life;

5. You can access the whole country without any obstacles, and you can withdraw money or spend money on ATMs and POS machines that are marked with the UnionPay logo.

Why is it hard to apply for a credit card from the four major banks?

1 Why is it hard to apply for a credit card at a big four bank?

1:Just happen to have had about a year and a half of work history in a certain bank, the four big banks and other joint-stock banks are different, commercial joint-stock banks as long as the credit is not bad, can be done down, but the four big banks are different, all banks are the same, as long as you are in a certain bank deposits, then you will be divided into the silver card customers or gold card customers, the whitelist, and of course, there are also vip customers, different customers to go to the bank for The credit card limit is different, to be precise, the richer you are, the more credit limit you can get from the bank, the less money you have, the bank risk approval department will be more strict.

Two: credit card is the need for users of different consumer use, the amount of staging, thus generating relative interest to make money

1: in layman's terms, credit card is to promote young people to consume, the bank is to rely on the depositors to take the money put to the need for a loan, or investment, to earn more returns, the young people normal consumption on time repayment, the bank is not making money, the bank most favorite to let the customer installments, so you can often get the bank to call you to let you installments, the four major banks and other commercial banks in the main business is different.

2:For example, a bank to do credit cards, as long as it is a white household can be approved through their line of credit card usage of the country's top few, business profit credit cards account for a large part. Some banks do not give white households through, you must have used a credit card for more than a year to qualify for, the four major banks do not need to make money through the credit card credit line, credit line, you use okay, if you do not use for a long time, it is also a loss to the bank, you do not use, the bank may as well lend the money to the people who need it more, can earn more interest.

3: basically the four banks credit limit is very low, I have seen a lot of just under the card inside a thousand, two thousand amount, but as long as the usual use of less, plus the credit card issuer's savings card inside the savings card, the basic amount of fast, as long as the customer is not short of money, credit card quota is very fast, when there is a day when you credit card use more, then credit card credit card management will be able to find out, every month are using too much on the The first thing you need to do is to get your hands on some of the most popular products and services in the world, and you'll be able to do it in a way that's easy for you.

1:Some banks can do it with a white household, some banks have to use the card for more than six months to do it, some banks have industry restrictions that will limit some industries to do the card, some banks like to have a degree of customer, some banks like to credit card use of less customers, some banks like to have a savings card in their line of whitelisted customers, so you need to understand the approval conditions of the major banks before the card, and in some cases, the bank. The data is messy to do not be able to do. Some of my friends said that five years ago, the overdue later paid off, credit are no record, why still can not do? That's because in the eyes of the bank, you are a high-risk customer, big data is not good,

2: Some friends said: "No credit card, an online application on the refusal" in fact, the refusal of you is not the bank, is the system, we are commonly known as second refusal, big data mess, the system can not be entered, this time to teach you a little skill, raise a period of time, the bank will be the first time that you have a deposit of money, and then you will have to pay for it. The first thing you need to do is to get to a bank where you have deposits, and then go to the outlets to do it, and the four major banks are the same, you have their line of savings cards, and there are deposits, water, go to the outlets to do it is especially easy to get through, and down to the quota is also high

Difference between domesticated and wild

And it is okay, ah? I applied for ten credit cards in one ****, canceled four, friends with two, I keep four. I don't usually use them often, mainly for construction sites. The bank and ICBC have, the agricultural bank and the construction bank did not apply for, other banks usually apply for all over. The first is that it is not possible to get a good deal of money from the bank, but it is possible to get a good deal of money from the bank, and it is possible to get a good deal of money from the bank, and it is possible to get a good deal of money from the bank, and it is possible to get a good deal of money from the bank.

It's not hard to see how you can get the best out of a person's credit rating, and I've got all of the four major banks on my side. The first to do the construction bank dragon card, and then do the ICBC (because of the low amount of I gave the cancellation, and again for ICBC not approved.) I'm not sure what I'm getting at, but I'm getting a new one.

Why is it so difficult for white households to apply for credit cards

Many cardholders have asked for advice on how to apply for a credit card for the first time, and the result is always a rejection, so they want to know why it is so difficult for white households to apply for a card. In fact, the biggest reason why white households are always rejected is because they have a blank credit record, and the bank has no way of knowing their repayment ability, so they won't be able to get a card easily. So, how do white households actually apply for a credit card? The following and a look.

Why is it difficult for a white household to apply for a credit card

Many first-time cardholders are known as white households because they have never applied for a credit card or a loan. A so-called white account is also someone who has no personal credit record in the credit system of the People's Bank of China.

This kind of people to do credit card is difficult to get a card, a big reason is because their credit record is a blank, the bank has no way to know your credit situation, but also can not judge whether you have a certain repayment ability, in order to control the risk of the bank to this kind of people to approve the card is very cautious, the degree of their audit is strict with the overdue compared to the people who have no better.

This means that if you're a white person and want to apply for a credit card, you can't be too bad at it. Maybe someone else doesn't earn as much as you, or have as much education as you, but they have a good track record with cards, and banks are willing to approve them.

How to apply for a credit card for a white household

However, a lot of cardholders start from a white household and slowly become a card god, which means that everyone can't escape from the first time, so how can you have a first card in your life for a white household? Here are three ways to introduce:

1, at first, do not start from the state-owned four major credit cards, of course, if you are very strong economic conditions, you can ignore. The general economic conditions of friends can start from the joint-stock small and medium-sized banks, compared with the state-owned four banks, China Merchants Bank, Bank of Communications and other joint-stock banks for white households is relatively forgiving, so the choice of such banks credit card as the first card in life is a good choice.

2, it is best to apply for your payroll card or have a large amount of deposits and other assets of the bank, because these banks will be through your payroll flow and assets on your income situation has a certain understanding, which is also a plus point for you to apply for credit cards.

3, do not apply for more than one credit card at the same time, after all, to the bank, you apply for more than one credit card at once, it is easy for them to misunderstand that you are very short of money, which is very unfavorable to the approval of the credit card.

4. Start with the universal card first. Although the gold card, platinum card amount is higher than the card, the rights and interests are more generous than the card, but many banks will not give the first time to do the card friends under the gold card or platinum card, because the white households have never had a credit card, the bank has no way to know its repayment ability, even if the applicant income is higher, but also only to give them issued a card. And when the white households get the general card, the use of time half a year or more than a year, and then go to apply for a gold card, platinum card is also easy.

Why can't I apply for a credit card?

It is not necessarily a credit problem that you can't get a credit card. If you are unable to get a credit card, there may be a problem with your credit, but it is not certain. Generally speaking, there are three reasons why credit cards are rejected:

1. Reasons for the applicant's basic information, such as being under 18 years of age, occupation being a no-go area for the bank's credit card, not providing detailed information, and not providing detailed information about salary.

2, the applicant credit reasons, such as repeated late behavior, repeated failure to repay the loan.

3, other reasons, such as high debt, failure to meet the bank's requirements, etc.

1) If applying for a credit card, the customer must be at least 18 years old and have full capacity for civil behavior; and maintain good personal credit; also have a stable and legal source of economic income and the ability to repay on time. However, if you are under 16 years old, you need to be accompanied by your parents. If you choose to operate a Premium Platinum Card, there will be stricter requirements on the customer's economic and financial level. If you are applying for a savings card only, there are no requirements. Customers can bring their personal ID cards to the branch.

2) Some bad credit records are permanently blacklisted in the credit bureau, which means you will never be able to get a credit card and will not be able to borrow a penny from the bank. For some bad credit records, after paying off the outstanding amount in full (including late penalties, interest and compound interest), there will be no late records for 5 years, and all bad records will be cleared automatically after 5 years. That means you can't get a credit card for 5 years, but you can after 5 years. In some cases, the credit history is perfectly fine, but it is not possible to process a credit card.

3) Credit cards are divided into credit cards and quasi credit cards. Credit cards that allow you to make a purchase and then get a refund within your credit limit. Quasi-credit cards must be deposited with a certain amount of petty cash. If the petty cash is not enough, you can overdraw a specified credit limit on the credit card. Differences between debit and credit cards: credit cards (consumer credit products) are paid back after spending, debit cards are deposited and then used; credit cards can be overdrawn, debit cards cannot be overdrawn; credit cards have a revolving credit limit, debit cards do not have a revolving credit limit; (revolving credit is an amount approved by the bank for the cardholder, and the amount owed by the cardholder to be used within the limit does not need to be repaid in full, only the required minimum repayment amount can be maintained) good credit history and reuse. cardholder's credit limit.)

The introduction of how it is so difficult to get a credit card and the more difficult credit cards ends here, I do not know if you find the information you need from it?