CITIC's credit card application failed, but it kept sending text messages.

Reasons for the failure of CITIC Credit Card to apply for a credit card

There are many reasons for refusing to apply for a credit card, mainly the following:

1, the cardholder does not meet the conditions for issuing cards.

Some applicants don't know the application conditions of this card at the time of application. In fact, many credit cards have application conditions, such as student card, female card, membership card or age limit. If you don't meet the requirements of the bank, your card application will be rejected directly.

2. The applicant failed in the score.

Now, when you apply for a card, the bank will use an automatic scoring system to score users. You can only apply for a card if you reach the score specified by the bank, and you will be rejected if you fail to reach it.

Many applicants have received the notice that "the comprehensive score is not enough to issue cards", which refers to this score. These scores come from income, work, assets, card use and so on.

There are too few application materials submitted.

Applicants should not only pay attention to the authenticity of the application materials, but also pay attention to the integrity of the materials, which is an important basis for banks to approve cards. This information is especially important when applying for a credit card for the first time. For example, if you have a house and a car, you can submit the approval documents such as the purchase contract and vehicle driving license. If there are only simple materials such as a copy of the ID card, the probability of passing is very small.

4. The cardholder has a bad credit record.

After receiving the credit card application, the bank will check the applicant's credit record through the credit information platform. If the credit record is good, the credit card is more likely to be approved.

5. Apply through informal channels.

Try to choose a formal institution to apply, such as Bank official website or Rong360. Many intermediaries and some roadside card outlets collect money to defraud money and user information, and cannot approve cards.

Is there any hope that CITIC Credit Card has not been rejected for 3 days? Pay attention to these matters.

The credit card of CITIC Bank is relatively easy to approve, and many people have applied for it. However, due to the different qualifications of each person, the credit card review time will be different. Someone applied for CITIC Credit Card for 3 days and was not rejected. They think there is hope. In fact, the longer the credit card review time, the easier it will be. Let's have a look.

Is there any hope that CITIC Credit Card has not been rejected for 3 days?

Under normal circumstances, the time limit for approval of CITIC Credit Card is about 7 working days after the application materials are entered into the system. If the audit is not rejected after 3 days, it may be because the bank needs to further confirm the cardholder's qualification and usually calls back, so it must be prepared to answer the phone at any time.

Because it's a company phone, it's best to say hello to the staff who answered the phone at the front desk in advance, and inform yourself at any time when there is a phone call. In the meantime, recall the information filled in when applying for a credit card in your mind to avoid mistakes when answering bank questions. This is the key to whether you can approve the card.

And if you haven't received a call after 7 days, or the inspection progress still shows approval, the probability of rejection is relatively high, or it may be that the bank didn't update the progress in time. Anxious friends can use the mobile phone number reserved when handling the card to call the CITIC Credit Card Service Hotline and contact customer service for feedback.

If the customer service reply is still under review, just wait patiently. The bank will inform you by SMS whether it is approved or not. Don't be too discouraged if you are rejected. By the way, you can ask the reason why the customer service was rejected, see if there are any shortcomings, and then improve. You will be more confident in your next application.

Finally, I would like to remind you that the number of applications for CITIC credit cards is limited. The number of online applications for the same ID number within two months cannot exceed 10, and the same card type can only be applied online once within three days. There is no limit to the number of times you can apply for a card at the counter or other channels. After CITIC Credit Card is rejected, it is best to wait until the information is updated before applying.

What if CITic UnionPay standard IC credit card application is unsuccessful/rejected?

CITic UnionPay standard IC credit card application threshold is relatively low, as long as it meets the basic card application conditions and submits relevant materials, you can apply. However, quite a few cardholders failed to apply for this credit card. Then, how can they successfully apply for this card after its application is rejected? Let's take a look together.

How to handle CITic UnionPay standard IC credit card?

The most important condition for applying for a credit card is a stable job and income. The necessary application documents are copies of identity certificate and work certificate. If you can provide other financial documents, it will be more helpful to understand your personal situation and judge the credit limit. Detailed application materials are as follows:

1, identification: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and soldiers need to provide a copy of the military ID card;

2. Work certificate: it can be the original work certificate issued by the employer (please indicate the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or it can be a copy of the work permit verified and marked by the sponsor;

3. Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit or an investment (such as a copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your economic level.

It may be better if you have enough financial resources to prove it, and the amount will be higher, depending on your specific situation.

What if CITic UnionPay standard IC credit card application is rejected?

Failure to apply for a card is not caused by a single reason. The bank will make a comprehensive evaluation with reference to the customer's overall credit information, financial resources, unit and personal information.

If you have new financial certificates or changes in your personal information, you can submit your application again at any time.

CITIC UnionPay standard IC credit card

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Why was my application for CITIC Credit Card rejected twice?

The reason why CITIC's credit card application was rejected twice: Credit card application requires certain preconditions. According to the application materials, the bank will review the applicant's various information and economic situation to judge whether to issue a credit card to the applicant.

(1) Official credit card holders with full capacity for civil conduct (citizens aged 0/8 in Chinese mainland) and a certain direct source of income can apply for a credit card from the issuing bank.

(2) According to the application materials, the bank examines all kinds of information and economic conditions of the applicant to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

(3) The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Extended data

1, the object of applying for a credit card can be divided into units and individuals. Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China. When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed. Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.

2. The application method is generally to fill in the credit card application form. The contents of the application form generally include the applicant's name, basic information, economic status or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.

The application form is accompanied by a credit card contract. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.

4. After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the credit card application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

References:

Baidu encyclopedia-credit card

So much for the introduction that CITIC Credit Card can't apply.