Has the installment pass been rejected?

Whether CCB will notify customers of the failure of approval by stages is actually different. According to the feedback from netizens who have applied for the installment of CCB, some of them received the SMS notification from the bank in time after the installment application was rejected; However, some customers have not received the news since they applied, but it does not mean that installment is still under review. After inquiry, it is found that the approval has long failed. The reason why some customers didn't receive SMS notification, and some didn't, may be because there are differences in the regulations of CCB; It may also be that some customers have opened the short message service of CCB, and some customers have not. However, if there is no news about CCB's installment application, it is better to call the staff of CCB directly to see if it has been rejected, and there is no need to wait all the time.

: Reasons for the failure of approval by stages of CCB.

1. Bad credit report

Staging of CCB can only be handled at branch outlets. After submitting the application, the branch will check the credit information. If it is found that the applicant is overdue or currently overdue, it will also affect the comprehensive score and the possibility of rejection is greater. So before handling it, check the credit information yourself. If the credit is not good, don't apply.

2. Too much debt.

After all, the applicant's debt situation is also a reference factor that affects the comprehensive score. This debt includes many aspects, such as loans and credit cards. If the debt is too high and the bank is still unable to repay it, the application will be rejected. It is suggested to reduce your debt ratio as much as possible before handling it.

3. Non-quality customers. Only high-quality customers of CCB can successfully apply for installment, and the important prerequisite for becoming a high-quality customer is to have certain economic strength, with an annual income of more than 654.38 million yuan or an average daily deposit of more than 200,000 yuan in CCB in the last six months. If these conditions are not met, the possibility of rejection is greater.

4. There are too many credit cards.

CCB credit card holders also have the opportunity to receive invitation messages in installments. If it is a credit card holder, the bank will not only judge the applicant's credit from the above aspects, but also look at the cardholder's credit card holding ability. If the number of cards exceeds five, it is also likely to fail.