What if Minsheng Credit Card refuses?

What should I do if my credit card points are not enough and I am rejected? Find the reason and prescribe the right medicine.

It's easier to get a credit card, but it depends on the bank. After receiving the application materials submitted by the applicant, the general bank will make a comprehensive score, and then grant credit according to the score results. But many people are rejected by seconds because their scores are not enough. What should I do? In fact, this needs to find specific reasons.

When making a comprehensive score, banks will refer to many aspects, including age, gender, work unit, occupation, position, income, working years, education, housing, marital status, number of dependents, personal credit and so on. Each item corresponds to a score. As long as there is any problem in any of them, the comprehensive score will be insufficient, and it is normal for the card to be rejected every second.

So, what if the credit card score is rejected?

You have to find out the reasons that affect the comprehensive score, such as unstable personal life, unstable personal income, poor personal credit information and so on. , and then strive to improve their qualifications and apply for a credit card according to the following points:

1. After being rejected, it is best to apply for a credit card from the same bank at intervals of more than 3 months, and the longer the interval, the better;

2. If the online application is rejected, you can go to the counter to provide enough financial proof materials such as automobile production and real estate to apply for a card;

3. Choose the appropriate card level according to your own qualifications, and don't blindly apply for high-end credit cards;

4. Banks with lower application threshold. For example, if the credit cards of the four major banks in the applicant country are rejected, they can apply for credit cards from commercial banks.

The above is the introduction of "credit card points are rejected by seconds", I hope it will help everyone. In short, it is common for credit card applications to be rejected, so don't be too discouraged. As long as you work hard to improve your academic qualifications, the problem of insufficient grades can be easily solved.

What should I do if I fail/refuse to apply for the Minsheng White Strip Co-branded Card?

Minsheng IOUs Co-branded Card is the third "Little White Card", which has the dual rights of Minsheng Bank Credit Card and JD.COM IOUs. Although you can apply for this credit card only by filling out the application form online without submitting other materials, many users have been rejected. So what if I fail to apply for the JD.COM White Strip Co-branded Card?

1. Is Minsheng Bailian Card easy to handle?

According to official website of Jingdong Finance, it only takes three steps to handle the white-striped co-branded card: 1. Online application; 2. Waiting for review; Get the card. Users only need to log on to the Jingdong financial website or mobile phone client, fill in personal information to apply, and then wait for the card approval, which is very convenient and fast.

Compared with applying for other credit cards of Minsheng Bank, the application for the white joint card cancels the filling of paper forms, and the whole process is online and can be completed in minutes. The contents filled in are personal basic information and work unit information. At the same time, as long as you are a "white note" user, the pass rate of applying for this card is very high and the amount is considerable.

2. What are the reasons for the rejection of Minsheng White Card?

1, which does not meet the conditions of joint card: the age is a hard condition and needs to be between 18 and 65 years old; In addition, you must have a stable job and a fixed income, so that you can prove to the bank that you have the strength to support this card and there will be no bad debts.

2. Bad credit record: When applying for a card, the bank will first investigate the applicant's personal credit record. To put it bluntly, it depends on whether you have a "criminal record" of overdue and other related situations. If not, you can naturally enter the next level smoothly; If there is a "dark history", you can pack up and go home.

3. Frequent application for credit cards: Many cardholders have applied for credit cards from several banks while applying for the Minsheng White Joint Card, which is likely to lead to the rejection of the card application. It is important to know that every card use record of the applicant will be recorded in the credit information system, and it is easy for banks to suspect that it is a high-risk customer. Naturally, it will not be so easy to send you a card.

4. The comprehensive score is too low: the bank will give you a score according to the applicant's application form, qualification documents, credit information and other related materials. If the score is too low, there is naturally no hope of getting a card.

3. What should I do if I fail to apply for the Minsheng White Joint Card?

If you fail to apply for a white joint card, you can contact Minsheng Bank directly and ask why the credit card application failed. Maybe you can get a new card just by adding enough supporting information.

However, as far as we know, there is only one application opportunity for Minsheng White Bar Co-branded Card. If the application fails, you have to apply for other types of cards, such as CITIC White Bar Co-branded Card, which is also good.

Can I apply for Minsheng Bank credit card online? Why does my second refuse?

It is relatively easy to apply for Minsheng Credit Card online, but the application conditions need to be met. Do not meet the application conditions, will not be accepted. There are many main reference factors, such as age, work, income, education and so on. , and refer to the applicant's card holding, card use in other banks or credit status in other institutions.

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 application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

The credit card audit department of Minsheng Bank will comprehensively score all aspects of each applicant. If the score is not enough, the card cannot be issued. Only those who meet the scoring criteria will have legal credit cards.

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.

Minsheng credit card counter activation was rejected.

Credit card activation will ask some basic questions, all of which are to fill in the contents of the application city. Such as name, ID number, company name, address, address, position, etc. Rejection may be a mistake in a certain link.

A telephone activation process: 1, the customer dials the credit card customer service phone to enter the automatic voice menu of the 24-hour customer service hotline of Minsheng Credit Card;

2. Select "Card Activation";

3. For customers with ID card type, please enter the ID number; If the certificate type is non-ID, manual help is optional;

4. Enter the credit card activation card according to the voice prompt.

Second, SMS activation.

1. Edit SMS: jh (last four digits);

2. Send to: 106902895568

3. After the SMS is sent successfully, you will receive the corresponding confirmation information. After successfully activating the card, please call the customer service hotline to set your transaction password and inquiry password to ensure the normal use of the card.

Third, online activation.

1. Log in to Minsheng Bank Credit Card official website, and click to enter the "Activate Credit Card Online" function;

2. Select the certificate type in the page, and enter the certificate number and the credit to be activated;

3. Click "Get Verification Code" to receive the verification code through the reserved mobile phone and input the page, and at the same time input the additional code;

4. After successfully activating the card, it is recommended to call the customer service hotline to set your transaction password and inquiry password to ensure the normal use of the card.

How to solve the problem of rejection of credit card application?

How to solve the problem of rejection of credit card application?

You should find out the reason why you were rejected and solve it.

The first reason is that the applicant's basic information, such as 18 years of age, occupation is a restricted area for bank credit cards, the information provided is not detailed, and the payroll information is not detailed.

The second reason is the applicant's credit information, such as repeated application, unstable work, poor credit record and poor contact with the applicant.

The third category is other reasons, such as the contact person is unaware or unwilling to be a contact person, the applicant's health reasons, and the contact person's requirements are unqualified.

Under normal circumstances, after a credit card application is rejected, it will take 3 months to submit it next time, whether in the same bank or in other banks.

1. Study on the reasons for the rejection of credit card applications. After the credit card application is rejected, the bank will not tell the customer the reason for rejection, but will only say that the comprehensive score is insufficient and will not return the application materials to me. This is an industry norm. Applicants can analyze the reasons for rejection according to the information provided by Aibu Finance Network.

2. Apply for a suitable credit card according to your own conditions. Understand the application conditions of the credit card you choose. If you don't meet the requirements, you'd better apply for other types of credit cards or other banks.

3. Provide detailed credit card application materials. If the submitted documents are incomplete, the permanent address is not provided, the fixed home phone number of oneself or immediate family members or brothers and sisters is not provided, and the required time (supplement), income/work certificate and property certificate are not up to the requirements, the application may be rejected again, which requires the attention of card friends.

4. Pay attention to answering credit calls. Some banks will patiently make multiple credit reminders, and one or two missed calls can make up for it; Some banks may fail to answer the credit card application once, so pay attention to answering the credit call after submitting the application.

5. Choose another bank to apply for a credit card. If it weren't for the bad credit record, being rejected at Bank A wouldn't affect the application at Bank B. If the state-owned banks pay more attention to local accounts and have stable real estate. If you don't have such conditions, you can consider applying for a joint-stock bank credit card.

How can my credit card application be rejected continuously?

If you apply for a CMB credit card, the most important condition is to have a stable job and income. The necessary application documents are a copy of identity certificate and work certificate. If you can provide other financial documents, it will be more helpful for us to understand your personal situation and judge the credit limit. Credit card application review is a systematic and comprehensive evaluation, during which we refer to many factors, such as age, job stability, income, personal credit and so on. It may be that your original application materials failed to fully show your real situation, which led to your application failure. I will send you a text message on the sixth day after the audit failed. If the mobile phone number is abnormal, a paper notification letter will be sent. If your work or financial information changes in the future, you can reapply for this information after 3 months. I hope you can get a card next time!

The application for a credit card was rejected.

If you apply for China Merchants Bank credit card, the application review is a comprehensive evaluation, and there will be 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. You can reapply 3 months after the first application.

Too much debt, application for credit card refused. How to solve it?

Pay off the debt and you can deal with it. Counter processing flow:

1. Go to the bank outlet where the credit card is handled, or find the staff of the credit card center of the local bank and fill out 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;

2. Submit copies of certain certificates and vouchers to the issuing bank;

3. After the contents of the application form are truthfully filled in, relevant credit certificates shall be submitted at the same time as the application form is filled in;

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

5. The credit card processing process is basically completed, waiting for the issuance of credit cards.

My application for a credit card in 1995 was always rejected.

Hello, if you apply for our credit card, the review needs our comprehensive evaluation, and there are many reference factors, such as age, job stability, income, credit history and so on. If the audit fails, we will generally send you a notice letter by ordinary mail within 3 working days, and there is no email or SMS notice for the time being. If the applicant's work or financial information changes, he can resubmit the information after 3 months. We will properly handle all application materials submitted by applicants to ensure privacy and safety.

(You can consult the credit card service information of China Merchants Bank online through QQ or WeChat. Method 1: Search 4008205555 among QQ corporate friends, and add China Merchants Bank Credit Card Center as a friend; Method 2: Search for "cmb4008205555" on WeChat, and pay attention to China Merchants Bank Credit Card Center)

What if the credit card application is always rejected?

The most easily rejected reason for applying for a credit card:

1. Personal credit is bad.

It is overdue and even blacklisted by Bank of Communications. Applying for a credit card is easy to be rejected, and there is almost no possibility of "turning over". This shows how important personal credit records are.

2. The application materials filled in are untrue.

Many cardholders will exaggerate their work units and income in order to apply for a successful card or even a high quota, so that they will not only fail to apply for a high-quota credit card, but will also be rejected.

There are too many credit cards.

If the applicant has too many credit cards on hand, the bank will think that the applicant is suspected of cashing out, so it will not pass the examination.

Reason for refusal:

1, overdue credit investigation

Many applicants have overdue personal credit records because they have applied for loans or credit cards before. Therefore, they should regularly check personal credit information and find timely remedies if they are overdue.

2. No one answered the audit phone.

When handling credit cards, most people know that bank customer service will call to verify your basic information, but there are often many reasons, such as forgetting to bring your mobile phone and losing it. Once missed, the application success rate will plummet.

3, the work industry does not match

Employees engaged in wholesale, individual, direct selling, insurance, logistics, entertainment, catering, security, freelance and other industries will be strictly examined and approved.

4 age mismatch

Applicants should be 18-60 years old.

5. Repeated application

The bank will automatically set the application interval in the approval system as 1 month, with a maximum of 6 months. During this period, if an application has been rejected, the system will directly reject the application, and there is no manual review link at all.

Why am I refused to apply for a credit card?

If you apply for China Merchants Bank credit card, the application review is a comprehensive evaluation, and there will be 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. If your work or financial information changes, you can reapply 3 months after the first application.

Analysis: Why is the application for a credit card rejected?

It means that your personal qualification does not meet the application standard of this card. Don't apply again within three months. You can try another one. Download the application on the Internet of Bank of China by mobile phone. There are credit cards from various banks to apply for. I hope I can help you.

The application for a credit card was rejected. Can I reapply?

If the credit card application is rejected, you can apply again after 3 months. It is recommended to meet the conditions for credit card application before applying.

Requirements for applying for a credit card:

1, a natural person who has reached the age of 18, but not more than 65, and has full civil rights;

2. Have a stable and legal source of income;

3. Provide real review materials;

4. The applicant has a good credit record;

5. Have a stable residence at the place of application.

Will the credit card application be rejected at the meeting?

If the credit card application is successful, the credit card record will be listed in the credit report.

If rejected,

There will only be records of regular bank credit inquiries after your application.

This is the end of the introduction on how to do and why to deal with the second refusal of Minsheng Credit Card. I wonder if you have found the information you need?