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What does it mean that the credit card application of China Everbright Bank has not been approved?
The bank will make a comprehensive score according to the information submitted by the credit card applicant.
The reference items of comprehensive score include: age, gender, unit, income, position, housing, education, marriage, real estate, professional title, credit record, personal financial assets, etc.
If you want to continue to apply, please reapply after three months, and it is best to add some information that is beneficial to the card:
1, salary flow: this is a more direct and effective income certificate than the work certificate; The success rate of applying for a credit card in a bank that issues its own salary card is generally higher;
2. Real estate license: the house book, the car book and the deposit certificate (with a deposit of more than 50,000 yuan) are all valid materials for applying for gold and platinum cards, and these real estate licenses are undoubtedly valid proof materials for repayment ability;
3. Other materials: existing credit cards-banks suitable for supporting card processing; Social security payment voucher; Tax payment voucher; Badges with photos; A copy of the labor contract; Certificate of special work, etc.
Extended data:
Credit card application
In most cases, citizens with full capacity for civil conduct (Chinese mainland 18-year-old citizens) who have a certain direct source of income can apply for a credit card from the issuing bank, and legal persons can also act as applicants.
The object of applying for credit card can be divided into units and individuals.
Applicants should be organs, enterprises and institutions, foreign-invested enterprises and individual industrial and commercial households with independent legal personality in China.
When applying for a credit card, each unit can get a main card and multiple (5- 10) supplementary cards as needed.
Individuals applying for credit cards must have a fixed occupation and a stable source of income, and provide guarantees to banks.
The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee.
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information.
And submit some copies of certificates and vouchers to the issuing bank. After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate.
A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
Baidu encyclopedia-credit card
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