What happened to the second rejection of CCB's credit card application?

What are the reasons for the rejection of CCB's credit card?

Reason one: the applicant's repayment ability is insufficient.

The applicant's insufficient repayment ability will involve two aspects. (Jing Xiang said card A) One is the income level of the applicant. If the applicant's income is too low and exceeds the bottom line of credit card issuance, CCB will not approve it. On the other hand, it is whether the applicants' jobs are stable, and many applicants have high incomes. However, due to unstable sources of income, such as self-employed, CCB will worry that the applicant's repayment ability in the future may also be rejected.

Reason 2: the applicant's credit record is not good.

The applicant's credit record will also be an important reason for the failure of credit card approval. No matter how high an applicant's income is, how many jobs he has, or even how many assets he has, if the applicant's credit record is poor and there are many overdue records, CCB will think that although the applicant has the ability to repay, he may be lazy, that is, he can repay but not repay. For banks, such cardholders are not more valuable than those who have no repayment ability, so it will also lead to the failure to approve CCB credit cards.

Reason 3: The applicant has no local card-issuing bank outlets.

Although CCB did not explicitly indicate that applicants in some areas cannot apply for credit cards when applying for credit cards, CCB will directly reject the application information without bank outlets in this area when approving credit cards.

Reason 4: There are too many credit cards.

If the applicant holds too many credit cards, CCB will consider whether the overall credit limit of his current credit card can repay the new credit card relative to his income. For example, although the applicant earns more than 10,000 yuan a month, he already has three or four credit cards with tens of thousands of yuan, then CCB will think that the applicant's comprehensive credit ability has exceeded, and there will be a risk that he will not be able to repay if he is issued a card again, because such an applicant will also fail the credit card approval.

CCB has pre-approval quota, so it refuses! Is CCB's pre-approval quota useful?

Friends who have business dealings with CCB can basically find out the pre-approval quota, that is, the estimated quota for handling other CCB businesses. Many people refuse to do business with CCB, so they will doubt whether the pre-approval quota of CCB is useful. Let's find out.

Why does CCB have a pre-approval quota?

In fact, the pre-approval quota of CCB is only a reference quota for handling this business, not a real quota, and it does not mean that the pre-approval quota can certainly handle this business. Take CCB's credit card as an example. If the credit card pre-approval limit of CCB A is 8,000 yuan, in fact, it may be rejected if it is handled by him.

After all, after submitting a credit card application, the bank needs to comprehensively evaluate the applicant's income, credit information, liabilities, age and other factors, and then give a credit line after approval, which is the final credit line of the credit card. If the applicant fails to meet any one or more conditions, it may also be rejected.

Therefore, the pre-approval quota can be regarded as a preliminary examination of the qualifications of customers who have business dealings with banks, and a second examination is needed to obtain the final quota when handling business.

Is CCB's pre-approval quota useful?

Although it is not the final quota, the pre-approval quota is still useful, which at least shows that the customer's qualification has been initially recognized by the bank. Compared with customers who have no business dealings with CCB, it can play a certain reference role in handling other businesses of CCB.

This is easy to understand, that is, the difference between acquaintances and strangers. Compared with strangers, acquaintances will certainly gain trust, and so will doing business in CCB. The trust of old customers is still higher than that of new customers.

The above is "CCB has pre-approval limit, refused! Is CCB's pre-approval quota useful? " I hope it helps you.

What are the reasons for the rejection of CCB Longka Senior Credit Card application?

Credit card applications are always rejected, and the bank won't tell you the reasons for rejecting you, but if it doesn't affect the next card application, you have to find out the reasons yourself. What are the reasons for the rejection of CCB Longka Senior Credit Card application? I will answer your question today.

CCB Longka Premium Credit Card belongs to the gold card level, and the application threshold is not high, but there is still the possibility that the application will be rejected. Here are some reasons for your summary, you can check them one by one:

1, the comprehensive score is insufficient.

When reviewing the applicant's credit conditions, CCB will combine various factors to make a comprehensive score. If the score is too low, it will be rejected. The main factors affecting the comprehensive score are as follows:

1) economic strength

Mainly refers to work and income, as well as additional economic proof;

2) Family situation

Married with a degree, having a stable residence in the card issuing place can add points;

3) Credit investigation

If you have a bad credit record, such as overdue, cashing out, etc. It is very likely that your card application will be rejected. However, if you have a high credit card from another bank and your credit information is good, it will help you get rid of it.

2. The application materials are incomplete

Whether online application or online submission, you must pay attention to the completeness and accuracy of information when filling in the application form. If there is incomplete information or false information, it is not far from rejecting the card.

3, consumer demand does not match.

CCB Longka Premium Credit Card belongs to MasterCard and can only be used abroad. If your application is for domestic use, the bank may refuse the visa if it knows your card requirements.

This concludes the introduction of the second refusal of CCB credit card application and the second refusal of CCB credit card application. I wonder if you found the information you need from it?