If the composite score is insufficient, you can ask the staff to help check the specific reasons, and then apply with additional information based on the specific reasons.

Comprehensive scoring is the total score of some items evaluated by the bank based on the applicant's creditworthiness, which is actually a comprehensive quantitative assessment of the applicant's qualifications. If this total score reaches the score set by the scoring system, the bank will grant the card. On the other hand, if the score is lower than that, the overall score is insufficient and the card application will be rejected.

If you are experiencing a lack of composite score when applying for a credit card, it is recommended that you first check if there are any problems with your credit score, such as whether you are currently overdue, whether the number of times you have been overdue in the past has reached three in a row, and so on; and then see if you have provided true and complete information about your personal information; and whether you have applied for a card or a loan too often, and whether the debt ratio on your credit report is more than 50 percent. If you are told that your comprehensive score is not enough and you don't know why, you can ask for help from the staff.

Reasons for the lack of a comprehensive score:

One of the reasons for the lack of a comprehensive score

It's a key element of the financial institutions' investigations when it comes to borrowing money, and the lack of a comprehensive score is a result of the fact that the credit report is tainted by the fact that there is a loan that has been overdue, or that there have been anomalies in the behavior of the individual, which will result in the lack of a comprehensive score.

Second, the information is not true

In the loan application, the investigation of the lender's information content confirmation has a very critical effect, according to the verification of the lender's information content can be analyzed to determine whether the lender is fraudulent personal behavior, is not with the lending fraud willingness to ensure that the security of the assets. Generally speaking, when you apply for processing to fill in the information content is not real or with the relevant database query material does not match, then immediately cause your information content real effective score is not enough.

Three, credit spending

If you have been in a number of small loan platforms often for loans, credit cards, then in the financial institutions query my credit, will immediately find too many online loan records.