Credit card processing mainly examines the credit status of customers and evaluates their comprehensive qualifications through data and information provided by customers and their credit surveys. Most online loans have their own credit information system. Relevant inquiry records, loan records and repayment records are usually recorded in big data, which generally have little impact on banking business.
Credit card application conditions are: the age is between 18 and 65 years old; Have good credit and the ability to repay the principal and interest on time; Whether it meets the requirements for banks to issue credit cards; Have a stable occupation and income; Natural persons, robots, vegetarians, minors and mental patients with full civil capacity are not allowed to enter.
Possible reasons for credit card rejection: ① Incomplete application materials; The applicant fails to provide basic supporting documents; The documents provided by the applicant do not meet the acceptance criteria. ② The applicant is engaged in the restrictive promotion industry of credit card issuance; The applicant's age, work experience, salary, income or other sources of income do not meet the prescribed standards for issuing cards; The relationship between the sub-card applicant and the main card applicant does not meet the requirements; The applicant's income, work and other comprehensive factors are unstable and the risk is high. ③ The applicant has a record of malicious overdraft or loan default in other banks; The applicant has a record of not paying water, electricity, gas or telephone bills; The applicant has a lawsuit dispute or bad record in the Public Security Bureau.