generally, applying for the credit card of Agricultural Bank of China is an online application, and it is also a systematic review. As long as the system has no second refusal, the probability of getting off the card will be great. Because as long as it passes the comprehensive score of the system, it is basically stable.
Reasons for loan rejection: 1. Insufficient application materials: When applying for NetJet loan, users need to submit some application materials to the Agricultural Bank of China for the bank's review. At this point, the information submitted by the user must be true, effective and complete, otherwise the loan application will fail. Because less information can't provide more reference materials for banks, banks can't make the most accurate judgment and can only choose to refuse.
2. Insufficient repayment ability: In order to get the funds back in time, ABC will evaluate the repayment ability of users before lending, and only users who meet the repayment ability can successfully apply for loans. On the contrary, users with insufficient repayment ability will be refused loans because they cannot ensure the safety of funds.
3. Bad personal credit: The credit requirements of bank credit loan products are very high for users. If users have left a stain on their credit information in the past due to overdue or other dishonest behaviors, they will not pass the examination smoothly. If you want to apply for a loan successfully, users must maintain good personal credit.
4. The high debt ratio is also an important factor that affects the loan approval result. Because the high debt ratio means that the user's repayment ability is weak and the loan risk is high, in order to avoid the risk, the bank will not agree to approve it.