Everbright credit card was rejected.

What are the reasons for the failure of Everbright Credit Card application? What jobs are not "hot" will also affect the card application.

There are always some card friends who will experience the painful experience of being rejected in credit card application, and there are many reasons for the failure of credit card application. If it is not found, if you want to apply for a card again, you may fall into a vicious circle of "repeated application and repeated failure". Today, the right medicine is mainly to sort out the reasons for the failure of Everbright Credit Card application, and card friends can check them one by one.

1, the application qualification is not enough.

There is a threshold for credit card application, and banks need to rate the applicant's age, working years, salary income or other financial conditions. If the score is not enough, the application will naturally end in failure. In addition, the specific types of credit cards have specific application conditions. For example, the applicant of China Merchants Bank's YOUNG card needs to be under 30 years old, and it is inevitable that your application will fail if you are too old.

2. Incomplete and incorrect information.

Banks need to evaluate the qualifications of applicants according to the information provided by them. If the application information is incomplete or incorrect, it will directly affect your card application score. If the score is too low, there is a great chance that the bank will reject the card.

3. It is to restrict the application industry.

Generally speaking, the entertainment industry: KTV, video game city, Internet cafes, bars, beauty salons, dance halls, nightclubs and other employees; High-risk industries: such as coal miners, truck drivers, taxi drivers, security guards, direct sales, pyramid schemes, etc. Freelancers:++personnel, mobile vendors, etc. If you apply for a credit card in the above occupations, the probability of failure is very high.

4. Personal credit is bad

If the applicant has the following circumstances, it belongs to personal bad credit and has had malicious overdraft or loan default in other banks; There are records of unpaid water, electricity, gas or telephone charges; The applicant has a bad record in litigation or public security bureau.

The reasons listed above for the failure of Everbright Credit Card application may not be comprehensive, but as long as the cardholder is clear, the bank mainly considers the applicant's spending power and repayment ability when issuing credit cards. The better the economic conditions, the more stable the applicant in all aspects, and the more conducive to the success of the application.

Precursor of Everbright Credit Card Rejection

1. The applicant has not received the approval notice from the bank within 10 working days after submitting the application. Don't wait for this situation to confirm that the card application is rejected.

2. The application for the card has passed the preliminary examination, but the bank has not received the SMS or telephone approval results for more than 7 working days, and the bank has not sent the express delivery number and other notices to the applicant. These situations are all rejected.

3. A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. The form of credit card is a card with the name of the issuing bank, expiration date, number and cardholder's name printed on the front. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limit.

I. Summary of the person in charge of the business management department of the People's Bank of China, the competent department of personal credit information system: Personal credit information system is a "credit file" (that is, personal credit report) established by specialized institutions for everyone, and then provided to banks, data subjects, financial regulatory agencies, judicial departments and other government agencies. This kind of activity of enjoying credit information between banks through third-party institutions is credit investigation. With the intervention of the credit bureau, when you borrow money from the bank, the account manager can check your credit report with your consent, so as to tell you whether you can provide the loan as soon as possible and save time.

Second, on the one hand, the personal credit information system is a tool to prevent financial risks and maintain financial stability. On the other hand, it also promotes the establishment of social credit system. Specifically, personal credit information is divided into three parts. The first part is personal basic information, the second part is credit information, and the third part is non-bank information. Personal basic information includes personal identity, spouse identity, residence information, occupation information, etc. Credit information includes bank credit information summary, credit card quasi-credit card information summary, loan information summary, loan guarantee information summary for others, etc. Non-bank information refers to personal insurance and payment information, housing provident fund information, road maintenance fees, telecom users' payment, etc. According to the actual situation, the system information will also include the customer's own statement. This information does potentially affect individuals' lending behavior in banks.

Why was the credit card of China Everbright Bank rejected after face-to-face signing?

There are several reasons why the credit card visa of China Everbright Bank may be rejected:

1. The application materials are inconsistent.

During the interview, the bank staff will re-examine the customer's application materials, including personal identity, work unit, annual income and home address. If the application materials are found to be seriously exaggerated or forged during the examination, then the interview will not pass so smoothly.

2. Lack of financial resources

Although the personal financial situation was also evaluated when applying for a card before, many small partners were relatively easy to pass because they applied online. However, you need to apply for an interview at the business outlets. When you do this, the staff will re-check your financial situation. If the staff thinks that you are unable to pay the credit card bill, the interview may also be rejected.

3. Bad attitude

Face-to-face interviews with banks must be sincere and don't be impatient and bored with the staff. The basic quality of customers is also necessary in face-to-face interviews. Only by giving bank staff a good external image can the success rate of face-to-face signing be higher. Matters needing attention in face-to-face interview are best dressed appropriately, and it is best to wear formal clothes.

Extended data:

The credit card interview may be rejected, because the main purpose of the credit card interview is to enable the bank to verify your identity information, check whether your information is true and see if I applied for it. If a credit card is to be approved, it must meet the requirements of the bank in terms of credit information and income and financial resources. If it does not meet the requirements, the bank will refuse your card application.

Matters needing attention in credit card face-to-face signing of China Everbright Bank:

1. Wear formal clothes to make a good impression on the bank staff.

2. The prepared information should be complete. If the information is incomplete, the bank will not pass. Therefore, it is necessary to prepare proof of work, proof of income, real estate license or deposit certificate.

Be careful when answering the questions of the staff. Be careful not to answer wrong questions, and don't answer questions different from the data.

China Everbright Bank-China Everbright Bank Credit Card Articles of Association and Contract Update Announcement

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How long will it take for Everbright's credit card application to be rejected before it can be reapplied? Pay attention to these things

Everbright's credit card review is strict, especially for online applications. If it passes the initial review, it will have to wait for the final review. Many cardholders will be rejected if they fail the final review. Many card friends are reluctant to apply again after being rejected, but I don't know if there is any time limit. Here, a brief introduction.

How long will it take for Everbright's credit card application to be rejected before it can be reapplied?

This is time-limited, depending on the channel of reapplication and the identity of the customer.

1. After the online application of Everbright Credit Card is rejected, there is no time limit for reapplying at the account manager or outlet.

2. If you apply online again, new customers must wait 30 days to apply for the previous card, and old customers can apply at any time.

But it is not recommended that you apply immediately after being rejected. After all, if the credit conditions do not change in the short term, the bank that applies for the card again may refer to the result of the last card application or may be rejected. In order to improve the success rate of re-card, we should also understand the reasons why the previous card was rejected.

Analysis on the reasons for the rejection of Everbright Credit Card application;

1. The application materials are inconsistent: if the age is below 18, the occupation is forbidden for bank credit cards, the information provided is not detailed, and the payroll information is not detailed.

2. Reasons for credit investigation: For example, the applicant frequently applies for credit investigation, or has overdue debts and bad credit records in the past.

3. Reasons for the face-to-face interview: for example, the attitude was not good during the face-to-face interview, no information was provided to prove your repayment ability, and the content of the answer was inconsistent with the application materials.

The above is the introduction of "how long can I apply for Everbright Credit Card again after being rejected". I hope it will help everyone.

The introduction of the rejection of Everbright Credit Card and the rejection of Everbright Credit Card ends here. I wonder if you found the information you need from it?