Short-term multiple credit card application

Can I continue to apply if my credit card is rejected? Finding the reason is the most important thing.

Credit card rejection is very common, but many people are not reconciled after being rejected. They thought of continuing to apply before they forgot the information they filled in, thinking that the pass rate would be higher, but it was not. Next, let's discuss it together.

1. Can I continue to apply if my credit card is rejected?

The right to apply for a credit card is in the hands of the applicant. From an operational point of view, cardholders can reapply after being rejected. However, some banks may stipulate the time limit for card application after rejection, which is generally 30 days after rejection, so they can't apply again in the short term, but it is said that they can change the application channels, such as online application and card application at outlets.

It should be noted that even if the credit card is rejected, you can continue to apply, which does not mean that you can succeed. After all, the credit conditions have not changed significantly in the short term, and the bank will still approve the card according to the results of the first examination and approval, so it is likely to be rejected. In order to avoid this situation, you'd better know the reason why the credit card was rejected first.

2. Under what circumstances will a credit card be rejected?

1. The application materials are inconsistent: for example, complete information is not provided, or the information provided does not meet the requirements of the current credit card, or false information is provided.

2. Inconsistent application conditions: If one or more of the applicant's age, income, gender, education and occupation do not meet the requirements of the issuing bank, it will be rejected.

3. Bad credit: A good credit card is one of the prerequisites for handling a card. Of course, if you have bad credit, you have a chance to approve the card. This depends on the degree of bad credit, such as the number of overdue, the current overdue, or three overdue within six months, and the possibility of rejection is relatively high.

In short, continuous credit card applications are rejected, and even if they can apply, they may not be approved. Therefore, you should apply for a card at least once a month, and it is best to find out the reasons for your previous rejection. After making up for the shortcomings, the success rate of card processing will be greatly improved.

Can Minsheng Bank apply for a temporary credit card line continuously?

Minsheng Bank's credit card is used more and more widely. Many credit card holders of Minsheng Bank have asked whether they can continue to apply for the temporary credit line of Minsheng Bank. Briefly introduce the continuous application for temporary credit line of Minsheng Bank, hoping to help you.

For example:

If your credit card limit of Minsheng Bank is 5,000 yuan, and you call to apply for a temporary limit of 2,000 yuan, it will have been approved for you at that time, that is, half a month. Then, can I continue to apply when it expires in half a month?

I'm here to tell you that the temporary credit line of Minsheng Bank's credit card can be reused. Although the temporary credit line is only 15 days, there is no problem as long as it is returned before the final repayment date. 10 days later, you can continue to apply!

However, if the cardholder applies for a temporary credit line and fails to pay off the temporary credit line on time, it will not be approved when you apply for the temporary credit line for the second time.

The above is the continuous application for the temporary credit line of Minsheng Bank. I hope this information is helpful to you. If in doubt, please consult the customer service of Minsheng Bank in detail.

Does applying for three credit cards a month have an impact on credit reporting?

If it is influential, it shall be recorded and filed by the credit reporting agency.

The Regulations on the Administration of Credit Information Industry has corresponding provisions on this:

Article 16 The retention period of personal bad information of credit reporting agencies is five years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it. Information subjects can inquire their own information from credit reporting agencies. The subject of personal information has the right to get my credit report twice a year for free.

Extended data:

Regulations on the Administration of Credit Information Industry and other relevant laws and regulations:

Forty-eighth credit institutions and financial credit information database operators can provide or inquire information to financial credit information database institutions to check whether they comply with the relevant provisions of these regulations.

Asking the parties concerned and the units and individuals related to the investigated events, and asking them to explain the matters related to the investigated events; Consult the documents and materials related to the investigated events, and seal up the documents and materials that may be tampered with.

Forty-ninth on-site inspection or investigation personnel shall not be less than two, and shall produce legal documents and inspection and investigation notice. Units and individuals under inspection and investigation shall cooperate and truthfully provide relevant documents and materials, and shall not conceal, refuse or hinder them.

Baidu Encyclopedia-Regulations on the Administration of Credit Information Industry

How many times can I apply for a temporary credit card limit at China Bank?

As long as the comprehensive score reaches the standard, you can apply continuously.

Temporary quotas have a term of use. Please make sure that your temporary quota has expired before applying again. If it has not expired, you can still use it. No need to apply again.

If there is still a temporary limit in the case of non-maturity/non-repayment, you can apply for adjusting the temporary limit again. The Bank has no clear stipulation on the number of times to apply for temporary credit line, but the specific number shall be subject to the system approval.

Extended data:

The temporary limit is the result of comprehensive evaluation by the banking system with reference to all aspects of your situation, including whether you repay the loan on time, whether you often use the bank credit card, the type of consumption and the specific situation of consumption. These are all factors considered by banks. Whether the application can be successful depends on the results of system evaluation.

The temporary quota is valid for a certain period of time, and will be automatically restored to the original quota after the period expires. After the temporary line expires, the used temporary line (exceeding the fixed line) does not enjoy the convenience of revolving credit, and will be included in the minimum repayment amount of the latest bill, which must be paid off in one lump sum on the due repayment date.

If the validity period of the temporary credit line has not expired, it is generally difficult to apply for a successful second withdrawal. Unless there are more financial certificates and positive credit card habits, banks will believe that they have sufficient spending power and repayment ability. In this case, you can actually apply for a fixed line, not necessarily just a temporary line.

You can still try to apply by phone or fax financial proof (such as real estate license, salary increase certificate, automobile production certificate, more income certificate, etc.). ) Go to the bank, and the bank will inform you whether the application is successful or not.

Baidu Encyclopedia-China Bank Great Wall Global Link Credit Card

Baidu encyclopedia-temporary quota

I applied for a credit card many times in half a year. How to remedy the credit report?

If the credit report is spent, it will be enough to improve the credit report and increase your capital.

Apply for a credit card several times within six months. It only means that their qualifications are average. If the qualification is very good, the credit card is generally 50,000,65438+10,000. And the cost of applying for a credit card is very high. You should stop applying for a credit card at this time.

Because the essential things haven't changed. You didn't apply for this bank. If you apply for another bank, it will only increase the difficulty, not the convenience.

When we apply for a credit card, the bank needs to look at our repayment ability, assets and credit history.

Credit history is the most basic, if you are overdue or overdue for many times. Then the application will increase a lot of difficulty, and it is recommended to improve the credit information. Don't apply for any credit cards or credit loans in recent months.

The repayment ability must be seen. For example, you have a steady income. Preferably civil servants and institutions. The more stable the job, the more stable the income, and the easier it is to get a credit card. It would be great if your company could pay you five insurances and one gold. If you are looking for a job, you'd better find a job that can pay you five insurances and one gold.

If you have a business license for a long time, the bank card has a certain flow, and there is still a balance every month. This can also prove that you have good repayment ability.

If you have an installment property in your credit report. That will give you extra points for your credit. It is easier to apply for a loan if you have a fixed property in the local area.

Let's sum up from above. First of all, you must have a job or a stable source of income. Secondly, don't have any overdue or multiple overdue. Finally, it is best to have a local property.

Judging from your current situation, I suggest that you have a stable income first, whether it is work or business. Then don't apply for any credit card or credit loan in the last three months, preferably in the last six months. Improve your credit information. It will be much easier to get a loan in the future.

First of all, you must stop applying for a credit card and apply for it many times in a short time, which shows that you should be in urgent need of++,and the bank is not stupid, so it is useless to apply again. Take an honest rest for half a year, and don't monkey around.

Secondly, the existing credit cards must be well maintained and the funds must be planned. Don't leave all the cards empty, and don't wait until the last repayment date to pay them back in one lump sum. You can arrange for gradual repayment after each billing date comes out.

It is suggested that if you already have 3 or 4 cards, you don't need to apply for many more credit cards. Make good use of the card and gradually increase the quota is king.

For example, I applied for Citibank credit card for seven years, but I didn't get it, twice a year on average, because Citibank credit card sent good things! ! ! But I kept refusing. Last year, I helped a bank friend make up his deposit performance, saved 50W, and sent me a credit card directly. Sometimes I don't understand how banks operate. In this case, the application should not be continued, indicating that the card approval standard is not enough. If there are too many applications, the bank data system will display MOB (fraud). You can continue to increase your credit score, such as social security payment base, provident fund, and bank credit card to pay wages. Anyway, don't apply for this bank again. Now some banks don't understand what the private credit information system is, and it's all in chaos. I checked my credit information at China People's Bank. My education is: undergraduate, my education is: master has private credit information, sometimes uncertain. But my real education is: undergraduate course. I wonder how this master's degree came about. As for the remedy, you should stop applying for this bank's credit card and apply for another bank. There are many banks now.

This concludes the introduction of short-term continuous application and short-term multiple application for credit cards. I wonder if you have found the information you need?