It is common to apply for a credit card now, but it is not that simple. There are many card friends who have no problem with credit information, but their applications are always rejected, saying that their comprehensive scores are not enough. What should I do if my credit card application is rejected? Today, Xiao Qin will share with you the skills of how to handle the card quickly after the credit card is rejected!

First, improve the internal rating of banks.

If you have never applied for a credit card or made any credit lending related products, this situation is called a white account. If pure white families want to apply for a credit card, they should first choose a bank with a lower credit card threshold, and then choose an easy card type. Finally, prepare the bank you want to apply for 7-45 days in advance, improve your comprehensive performance in the bank to make up for the lack of credit information, and then apply, the success rate is very high.

Second, reduce the debt ratio.

If your overall debt is too high, including too many credit card bills and outstanding loans, the bank will question your repayment ability, thus greatly increasing the probability of rejection. If the debt is high, please give priority to reducing the debt before handling the card. Debt optimization can be achieved through the method of returning small cards to large cards and the method of debt hedging, which can solve the problem of excessive credit reporting debt in a short time, but in the end, you should reduce your debt by increasing income and making money.

Third, create effective running water.

Some people are short of money and frequently apply for credit cards, regardless of their own credit information. Banks attach great importance to the number of inquiries, suggesting that it should not exceed three times a month and five times in three months. If you want to continue to apply for the same bank after your application is rejected, the best way to use the three-month period when you can't apply is to apply for a savings card to effectively settle the interest, improve your comprehensive score in the bank and change the bank's view of you. If you apply again after three months, the success rate will be greatly improved.

Four. Integrity of application materials

The applicant shall provide complete and effective application materials, and the income certificate, work certificate and other materials shall be stamped with the official seal. Don't falsify information. Fill in the application form reasonably according to "Applying for Credit Card Core 1 1" in the live class, you can get the highest score of the application materials in the most reasonable range and meet the requirements of card application.

Fifth, optimize the bad credit record.

At present, any platform and bank attaches great importance to the applicant's personal credit, so before applying for a credit card, first look at whether your credit information has bad discipline and is overdue. Too many query records? Both of them are the risk points of application rejection, so according to your actual situation, optimize your credit information before application to improve the success rate of application;

The application for credit card (debit card) was rejected in seconds, teaching you to solve the problem of "comprehensive score"

There are always various reasons for the rejection of application cards, such as poor credit reporting and insufficient comprehensive evaluation. Some friends are always complaining that the bank refuses to sign a visa and it is difficult to apply for a card. The old driver will share with you the experience of handling cards in a few days:

The card handling method is not selected correctly.

According to my years of experience, the success rate of applying for a credit card (debit card) through the genuine channels of the bank is the highest, including the third-party cooperation channels of the bank (Zhimobao, Wei Moxin, R360, etc.). ), the bank official website, and the bank's App counter.

As we all know, online application has become the mainstream now. Banks not only vigorously promote credit cards (debit cards) on their own official website and App, but also closely cooperate with third parties (Alipay, QQ, etc.). ) issued credit cards (debit cards), and more than 60% of users successfully approved the cards through online application.

As a supplementary way of online application, the bank counter is the most important way of offline application. It is worth noting that in the offline application channel, 17% of credit card (debit card) salesmen sell card users, and 5% of corporate users collectively handle credit cards (debit cards). I also want to remind everyone here that when you do offline cards, you must pay attention to protecting your personal identity information.

Reject "comprehensive rating"

As I said at the beginning, many friends will be rejected by seconds. Compared with others, they just didn't pay attention to the following three items before handling the card.

First, good credit;

Second, the "family property" is rich;

The third is to choose correctly.

1. Good credit

To apply for a credit card (debit card), the bank must first check your personal credit record, and personal credit mainly depends on your personal credit card (credit card) use/repayment information, loan information, and also includes personal telecommunications, water, electricity, gas and other payment information. A good historical credit record can ensure that you get the card and get a satisfactory amount. Now life is linked with credit everywhere, don't you pay attention to it?

2. "Family property" is rich

This does not mean that you must have money to apply for a credit card (debit card), but that if the applicant has a stable job, social security, a fixed source of income or fixed assets such as a house and a car, it will be much less difficult to apply for a card.

Because credit card (debit card) is essentially the money that the bank lends to the cardholder for consumption according to your qualifications. How can I prove my repayment ability if I want to apply successfully? The applicant's financial strength is the best proof. This is a cliche, as we all know, but it's a bit difficult to change it.

Choosing the right card is very important.

Choose a suitable bank according to your own situation and apply for a credit card (debit card) with your own advantages.

For example, in choosing a bank, each bank has different characteristics, and Shenka can choose a bank that suits it according to its actual needs.

For example, it is easy for Bank of Communications to apply for a card, like to send credit card (debit card) money, the most popular Friday and so on. Suitable for you who like welfare;

CITIC Bank's cash installment is a relatively high amount, suitable for you who spend a lot;

Guangfa is suitable for you who like staging.

As far as choosing a credit card (debit card) is concerned, some cards are advantageous for certain groups of people to apply. For example, the Bank of Communications Y-POWER card is only for young people under the age of 30. These are all things that should be noted. Know yourself and yourself. Only when you get a card can you approve it in seconds and have a good quota.

If you have been rejected, in addition to analyzing the reasons and improving your own conditions, you can also take the following measures to greatly ensure the success rate of the next card application.

1. Re-apply at intervals of more than 3 months.

Apply to the same bank immediately, no matter whether you change the application route or not, the probability of passing is extremely low. And applying for the same bank many times in a short period of time is likely to be blacklisted. The safe way is to apply for three months or six months at most.

2. Apply for a new card type

The application conditions of Puka, Gold Card and Platinum Card are all different. If your qualifications are not good, you might as well downgrade. It should be noted that even the cards of the same grade are quite different from each other.

For example, Citibank's gift card is a gold card, but the minimum monthly salary of 7,000 yuan is higher than that of many banks' platinum cards, while Shanghai Pudong Development Bank has many platinum cards, but the application conditions are no different from those of ordinary cards.

Before applying again, you may wish to know more about the characteristics of these cards and choose the one that suits you best.

Step 3 apply for another bank

Relatively speaking, it is more difficult to handle the cards of the four major banks and the workers, peasants and China Construction Bank. If you can't apply, don't die. Bank of Communications and China Merchants Bank are good choices.

On the contrary, if you are rejected by commercial banks such as Minsheng and Huaxia, you can also try to apply for the four major banks. As long as you apply for an ordinary card as a stepping stone, it will be much easier to apply for a big card of a commercial bank in the future.

In fact, after playing cards for a long time, everyone will have a little bit in their hearts. I hope the above contents will be helpful to friends who apply for cards in the future.

What if the credit card is rejected?

After the credit card application is rejected, we must first find out the reasons for the rejection. Applicants can call the bank's customer service hotline to ask about the situation. After confirmation, the applicant wants to re-apply for a bank credit card. It is best to apply after a period of time, usually more than 3 months. Don't apply again in a short time, because the probability of rejection is still very high.

Of course, when the credit card application is rejected, the applicant can also apply for another bank. After all, the standards of each bank are different. If this application fails, that one may meet the requirements and pass. In this regard, in order to improve the success rate of card processing, applicants can choose some joint-stock commercial banks. Their requirements are relatively low and easy to get stuck compared with those of the four major banks.

Ways to improve the success rate of credit card application: 1. Provide comprehensive application materials. When applying for a credit card, in addition to the basic proof of work and income, you can also provide financial proof such as house, car and equity as far as possible.

2. Choose the right channel to handle the card. At present, there are many channels for credit card application, such as online application, bank outlet application and mobile booth application. I would like to remind you not to apply online as much as possible, because without the guidance of staff, it is easy to fill in incomplete information and it is difficult to get a card. Therefore, when applying for bank outlets and mobile stalls, the bank will try its best to help you apply for a card.

What should I do if my credit card points are not enough and I am rejected? Find the reason and prescribe the right medicine.

It's easier to get a credit card, but it depends on the bank. After receiving the application materials submitted by the applicant, the general bank will make a comprehensive score, and then grant credit according to the score results. But many people are rejected by seconds because their scores are not enough. What should I do? In fact, this needs to find specific reasons.

When making a comprehensive score, banks will refer to many aspects, including age, gender, work unit, occupation, position, income, working years, education, housing, marital status, number of dependents, personal credit and so on. Each item corresponds to a score. As long as there is any problem in any of them, the comprehensive score will be insufficient, and it is normal for the card to be rejected every second.

So, what if the credit card score is rejected?

You have to find out the reasons that affect the comprehensive score, such as unstable personal life, unstable personal income, poor personal credit information and so on. , and then strive to improve their qualifications and apply for a credit card according to the following points:

1. After being rejected, it is best to apply for a credit card from the same bank at intervals of more than 3 months, and the longer the interval, the better;

2. If the online application is rejected, you can go to the counter to provide enough financial proof materials such as automobile production and real estate to apply for a card;

3. Choose the appropriate card level according to your own qualifications, and don't blindly apply for high-end credit cards;

4. Banks with lower application threshold. For example, if the credit cards of the four major banks in the applicant country are rejected, they can apply for credit cards from commercial banks.

The above is the introduction of "credit card points are rejected by seconds", I hope it will help everyone. In short, it is common for credit card applications to be rejected, so don't be too discouraged. As long as you work hard to improve your academic qualifications, the problem of insufficient grades can be easily solved.

So much about how to refuse to apply for a credit card.