Why did you send me a text message saying that the credit card inquiry progress applied by China Merchants Bank has been accepted?

Hello! Generally, SMS notification is faster, and the system entry may be later.

Credit card application is comprehensively evaluated by the system, and there are many reference factors, such as work, income, stability, personal credit, etc., which are not determined by unilateral factors. Perhaps the information attached to your application did not fully show your personal situation, which led to the failure of your application. In addition, the domestic personal credit information system is not perfect, and all banks will pass the internal evaluation when reviewing credit cards, and the standard setting will be different. Because the credit standard and scoring standard are confidential within the bank, the risk-related factors cannot be announced to the public, which you can understand. You can call 400-820-5555 to request re-inspection. I hope you can provide us with more reference materials. If you don't want to attach more information at present, you can reapply 3 months after the first application.