Always rejecting an application means that your credit is not good, and you may not be able to provide enough financial proof or have a bad record. Card requirements: at least 18 years old; Hold a valid ID card; No bad credit record;

There are work certificates, income certificates stamped with the financial seal of the unit and other financial certificates, such as real estate, automobiles, stocks and bonds. ; Social security certificate.

Note: The first four are the most basic conditions. If you can provide 5-6 supporting documents, the success rate of application and the credit limit will be improved.

One: Credit cards, also called credit cards, are credit certificates issued by commercial banks or credit card companies to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

2. The credit card stipulated in the relevant laws of China (Interpretation of the Provisions of the NPC Standing Committee on Credit Cards) refers to an electronic payment card issued by commercial banks or other financial institutions with all or part of the functions of consumer payment, credit loan, transfer settlement and cash deposit and withdrawal. 20 17 12 1 The English Translation and Writing Standard for Public Service was formally implemented, which stipulated that the English name of CreditCard was Credit Card.

Third, credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Four: application, the object of applying for a 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.

Five: The application method is generally by filling out a credit card application form, which generally includes the applicant's name, basic information, economic status 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.

Six: the application form is attached with a credit card contract, and 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 the applicant's autograph.

Why are credit cards becoming more and more difficult?

First of all, the answer lies in analysis. Credit cards are becoming more and more difficult for two main reasons. First, banks themselves are regulated, and the CBRC explicitly prohibits excessive credit granting. Second, there are fewer and fewer high-quality potential cardholders. Before applying for a credit card, I have used credit products such as flower buds and micro-loans, which indirectly leads to too many "flowers" for credit information.

Let's analyze in detail how much these two reasons limit existing cardholders and potential cardholders.

Due to the bank's own supervision, the CBRC explicitly prohibits excessive credit granting.

On June 19, 10, 10, China Banking and Insurance Regulatory Commission, China issued the Notice on Rectifying the Chaos of Banks and Insurance Institutions Infringeing on Consumers' Rights and Interests (No.China Banking and Insurance Regulatory Commission 194 [20 19]), which clearly pointed out that it is forbidden to deliberately carry out low-income oriented activities.

In China, there are only two top supervision departments of all financial institutions, namely, the central bank and the China Banking Regulatory Commission. You said that the CBRC has issued a document explicitly prohibiting this kind of operation. Even if 100 banks are unwilling to do so, they dare not openly go against their wishes. In practice, the direct performance is that the credit card that could have been applied for was not given, and the banking industry did not dare to let go of some flawed customers.

There are fewer and fewer high-quality potential cardholders. Before applying for a credit card, I have used credit products such as flower buds and micro-loans.

In recent years, despite the penetration of various financial lending institutions on the Internet, people have more choices to use money outside banks. Especially for the younger generation, when they are not old enough to apply for credit cards, they can easily use various installment credit instruments. For example, Gitzo buys mobile phones by stages, spends money on flowers and so on.

In the eyes of bankers, except for the normal use of credit products in the banking system, other types of credit products are basically classified as small loans to you. When college students want to apply for a credit card after graduation, they find themselves attacked by small high-interest credit products like Gitzo. Now they want to apply for a credit card, but they can't apply successfully.

To sum up: credit cards are getting harder and harder mainly for the above two reasons. First of all, because banks themselves are regulated, the China Banking and Insurance Regulatory Commission explicitly prohibits excessive credit issuance. Second, there are fewer and fewer high-quality potential cardholders.

Of course, there will be other objective reasons, that is, some people do not have stable jobs, and in essence they are people without jobs. It is also very difficult for such people to successfully apply for a credit card on the bank loan officer's score sheet.

Thank you: Why are credit cards becoming more and more difficult? Because there are many people with low incomes! Failed to recharge on time! It is easy to cause financial losses and there are certain risks. If it is not replenished in time, it will cause certain losses to national financial institutions.

Banks are not charities at any time, especially at present. The devastating epidemic has turned many people into poor people and losers. Banks are even more risk-averse institutions, because they are always icing on the cake and do not give timely help!

Credit cards are becoming more and more difficult for people who have never had a credit card or have problems with credit information!

First, some people often don't repay their credit cards, and some people simply can't repay them. There are more and more such people, and it is difficult for banks to recover their money. So it is getting more and more difficult for banks to handle credit card business now.

Second, it should be easy for people who have already applied for a credit card and have good credit. In addition, it is not difficult to get a credit card for people who have had loans in the bank and have never overdue repayment.

Through loans, credit cards and other services, banks will give customers credit ratings, which can also be seen by other banks. So as long as you have good credit, credit cards are not difficult.

Now people apply for credit cards mainly because of the epidemic. Under the pressure of mortgage and car loan, many people will choose to apply for credit cards in banks. Coupled with the domestic market, many factory companies have no business and choose to take vacations, resulting in many people staying at home or not working. Most people who apply for credit cards now have no formal jobs and poor credit. Some are a little younger. Summarize the following points.

First: to apply for a credit card, it is either filled in randomly or untrue.

Second: the applicant is young and the bank feels that you are unable to repay.

Third: crazy credit card, all banks apply, leading to a credit behavior. The bank will not give you a card easily, and try to apply for it for more than three months.

Fourth: the applicant's credit problem, some people say that it has never been overdue, why the bank just doesn't pay it back, maybe the bank thinks that you may have applied for a lot of online loans and small platforms. There is something wrong with the credit information.

Fifth: it's not that it's difficult to apply for a credit card, but that you haven't found the right method yet. Like some people have already got off the card, and the amount is still high. Information is one thing, and the platform you applied for has some reasons.

Sixth: it is basically applicable after 1980. If there is no overdue record, it is basically passed. This is a real case. Look at the picture.

Whether you apply or not, you must return it after use. If it doesn't reach that level, it is still not recommended to use credit cards. If you are not careful, you will fall into the endless repayment of credit cards.

Coordinate Liuzhou

The reason why money is hard to earn.

Do you have the corresponding ability?

For example, can your professional ability pass the test? Do you have the ability to learn and execute? Do you have firm beliefs? Wait a minute.

Is there a good platform?

Ability and talent, is there a platform for you to display? The breeze, with its power, sent me to the sky. Making money is not a person's game, it needs a good platform.

Do you have a good circle?

This circle refers to the circle of people and your financial circle. People can help you solve many things, and the financial circle can help you raise more funds.

Why is it so difficult to change a credit card? Luming Literature thinks there are several reasons.

Credit cards are difficult?

Because your hard qualifications and soft power are underdeveloped.

Hard qualification

Is your credit information optimized? Or do you know to optimize the credit report in advance before applying for a credit card? What kind of information is optimized?

Did you provide a good qualification certificate? For example, good work certificate, social security accumulation fund, punch card salary, real estate, large deposit and so on.

soft power

Planning of credit card application, do you know the order of credit card application in each bank? According to your conditions, which bank is suitable for you? What are the taboos for credit card applications in various banks?

Is your dress and external image obvious, diaosi or white collar? Are you a glib talker or a successful person with a successful career?

summary

Credit card processing, especially those who want to apply for large credit cards and use credit cards as leverage for financing, requires you to plan and upgrade your hard qualifications and soft power.

And making money, all aspects of the ability have improved, making money is naturally much easier.

I am Luming Literature, a financial worker struggling in the front line, providing you with low-interest and large-amount financial management solutions! Welcome friends in Liuzhou to exchange private messages!

1. mainly shows that the society has progressed and it is easy for banks to obtain personal data.

Personal integrity is becoming more and more important, so some banks that don't repay in time are recorded every day.

3. When the economy is not so good, the issuance of credit cards will also assess the risks. Look at the user's usual income and expenditure, and then decide whether it can meet the risk assessment requirements of issuing credit cards.

On the contrary, it should be easier for people with good personal credit information to apply for cards than before, because there are more channels to apply for cards online and the progress is faster than before.

If you have a good daily life, the bank will definitely take the initiative to ask you for a card.

Hello, I'm glad to answer your question. 1. Credit products have played a role in worrying about others and themselves, promoting capital flow and stimulating the economy. 2. In fact, making money with capital is also a commercial activity. I won't talk about the operation mode, because I don't understand! But at least we should predict and evaluate the market situation and assess the risks! 3. In order to avoid risks, the number and quota of credit cards will be tightened under bad circumstances. 4. The most crucial question is coming. This kind of thing is the icing on the cake. Is it hard for you to say it when you need timely help? It's too difficult for me [covering my face]

Credit card is not easy to handle, maybe there is something wrong with your credit information.

As far as I know, when a person's debt is too high, the bank will check your credit information, and every time you borrow a sum of money, it will leave a mark on your credit information. When you want a loan again, or when you apply for a credit card, the bank won't do it for you because your debt is too high.

I don't know if you usually meet door-to-door salesmen in subway stations and parks to apply for credit cards. These people claim that they can handle it for you, or they can invest a lot of quotas. Especially when you need money badly now, when you want to apply for credit cards, don't blindly apply for these credit cards. If you want to do it, you'd better go to the bank counter. It's best for these people to just do sales, and they may earn your handling fee, and the final result is that they will lose everything.

It's best not to use the most important credit card. You should earn one with one money, don't spend it in advance.

Credit card is actually not difficult, but it is difficult for some poor credit information or white households!

For example, it was my first time to apply for a card, and it went smoothly. Because I had a mortgage in my name, the monthly payment was 7,000 yuan, and I was working in Ping An, so it was easy to apply for a credit card from my own Ping An Bank, with a credit card of 35,000 yuan.

When you have your first credit card and start spending again, the repayment is normal, there is no overdue, and the banking system is all open, so it is naturally easier to handle other credit cards!

There are 7 credit cards in my name, the first 6 of which I handled before the epidemic this year, with a total credit line of 420,000!

Generally, if there are more than 6 cards, the credit limit will be basically reduced. The credit limit may be only 65,438+0,000, or it may not be possible!

But last month, ICBC said it was ok to get one, so I applied for an ETC credit card online. It just so happens that my mortgage and the ETC in the car belong to their family, and they are also 6-star customers. As a result, I approved a 76 thousand card, which is quite satisfactory!

Is it difficult to approve the ICBC credit card gold card?

ICBC's credit card review is relatively strict, but as long as the credit conditions are good, it is no problem to meet ICBC's card issuance conditions, otherwise it is easy to be rejected.

ICBC credit cards are divided into ordinary cards, gold cards, platinum cards and black cards. The higher the card level, the harder it is to take off. Among them, the applicant's credit information and the star rating of ICBC are the two major factors that affect the next card.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

In most cases, citizens with full civil capacity (citizens aged 65-438+08 in Chinese mainland) who have a certain direct source of income can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.

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.

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.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

Why is the application for ICBC credit card rejected?

The failure of ICBC's credit card application may be due to poor personal credit information. For example, there are records of malicious overdraft or loan default in personal credit information. At this time, the bank will not pass the examination and approval, and the bank does not want its credit card to be issued to untrustworthy users. If you owe money, you'd better return it in time.

The failure of ICBC's credit card application may also be due to the incomplete information submitted by users. After this happens, users can resubmit the information, which will greatly increase the chances of passing, but it is best to apply for a credit card at the same bank for more than one month.

The failure of ICBC's credit card application may be because the user has more debts and cannot prove that he has a good income. More liabilities include that the applicant already has multiple credit cards from other banks or has applied for loans, and the monthly repayment amount is relatively large. At this time, banks will refuse to issue cards in order to prevent risks.

In order to avoid the rejection of credit card application, users can consult the bank before applying to find out whether they meet the application conditions, and then submit the application materials. Users can choose different channels when applying for credit cards, such as bank counters and bank official website.

Although ICBC didn't make it clear, everyone knows that ICBC has a gray list. If your application for a credit card or withdrawal is rejected in seconds when you use the ICBC credit card, but you don't know the reason, it is very likely that you have entered the gray list of ICBC!

timg(4)。 Joint image expert group

1. How did the grey list get in?

(1) One is CIIS, which is the internal credit rating system of ICBC. A score below 700 is concerned, that is, it has entered the gray list, and a score above 700 is normal. The main reason for deducting points is that cards have been handled frequently recently, and there are too many inquiries in these two monthly newspapers.

Deduct a certain score for each inquiry. If you apply for various cards many times in a short period of time, it is not normal not to deduct the score below 700. Do less cards within three months (no deduction) and you will be fine.

(2) The other is the human intervention system. The local card department can set a time (3-24 months or even longer) lock for you when it sees that you have overstocked your card, disliked you or have false information.

This lock will be automatically unlocked when it expires, or the local card operator will help you unlock it. Although this is an internal rating, it has no influence on other banks' applications, but some banks are resistant to the recent excessive inquiries about credit reports.

Second, how to judge whether you are on the gray list?

Generally speaking, if you refuse to apply for a credit card online on the same day or the next day (that is, if the record date is updated once), you are likely to have entered the grey list, and your application is directly killed by the system without manual review.

If further verification is required, there are two options:

(1) Call customer service and manually ask why the application record was rejected. General customer service will say that the comprehensive score is insufficient. You just need to ask what the rejection code below is. If you answered 942, congratulations on your entry into the grey list.

(2) Go to the local card department (there is no restriction on the number of people in general branches, only 1738 can be printed), and print the code 1830 to see if it is concerned.

Third, how to remove the gray list?

(1) If the CIIS score is on the grey list, you will recover more than 700 points if you don't apply for the exam for three months.

(2) If it is forced by the card department, it can only be automatically unsealed when it expires, or lock your card department to find a reason for him to manually unseal it for you.

Getting into the grey list is relatively easy. Friends should never enter the "blacklist" of ICBC, which will be more troublesome.

Is it difficult for ICBC to apply for a credit card? Shenka experienced it.

The difficulty of applying for a credit card varies from person to person. After all, everyone's credit conditions are different, and the threshold of banks is also high and low. Many card friends ask, is it difficult to apply for an ICBC credit card? It is the bank's decision to get off the card, so I can only share with you the experience of many card friends in handling the card.

A credit card forum card friend kashen0 14 15983:

At the end of 20 16, I applied for it three or four times through the ICBC website, and all of them ended in failure.

Then I decided to go to ICBC outlets to ask for materials, and prepared an income certificate stamped with the company's official seal. I thought it should be okay this time!

The application was submitted on March 3, 20 17, and the SMS was still not received at noon on the 9th.

Is it so difficult for cardholders to apply for an ICBC credit card? Actually, it's not. In fact, the cardholder has not mastered the trick of handling the card:

1. After the online application fails, don't submit the application repeatedly;

2. It is best for the application outlets to provide financial proof, such as real estate license and vehicle driving license. If not, it is best to have a deposit in ICBC;

3. If you really can't get the card, it is recommended not to collapse and apply for a credit card from another bank.

Kayou kashen0 189 1362 said:

Personally, I think it is not difficult for ICBC to tie a big chicken with my aunt's savings card. You can brush it and buy some wealth management products-step by step, just wait for my aunt's introduction, and then set up a general card or a gold card online. That's how I got down.

Credit card evaluation: 20 18 which credit card is easy to use? There are many choices!

Summary: Whether it is difficult for ICBC to apply for a credit card depends on your personal credit status and card handling skills. Blind card application is definitely not possible, and it is counterproductive.

The introduction of why industrial and commercial credit cards are difficult and why industrial and commercial credit cards are difficult ends here. I wonder if you have found the information you need?