What is the reason for the insufficient comprehensive credit score?

There are many reasons for the insufficient comprehensive score of credit cards, such as poor credit reporting, high debt ratio, failure to meet the age requirements for application, unstable work and insufficient repayment ability. These may lead to insufficient comprehensive scores. Therefore, in many cases, the lack of comprehensive credit score is the result of the combined action of many factors, and it is not just a problem with the credit draft. After the user's comprehensive credit score is insufficient, it is best to apply for a credit card at intervals, which is conducive to improving the comprehensive credit score.

What is the comprehensive credit card score?

Credit card comprehensive score is the bank's evaluation of your comprehensive credit based on the information provided by your lock and using a fixed scoring system. There are many factors that affect the comprehensive score, including marital status, professional title, work, economic ability, personal housing, credit record, education and so on. All the scores add up to get the so-called "comprehensive score". If the nature of the work unit is a public institution/government agency, 3 points, then some occupations with unstable income may only have 1 point; Married is 2 points, then unmarried may be 1 point.

Therefore, when you apply for a credit card and submit it to the bank, the bank will evaluate your information. This evaluation is a "comprehensive score". The reason why many cardholders refuse to apply for credit cards is also the lack of "comprehensive score".