I believe that many card friends will always receive text messages that may be rejected because of insufficient comprehensive scores when applying for credit cards or withdrawing money. What caused our lack of comprehensive score? Today, Xiao Qin will share with you how to improve his comprehensive performance, but our application for credit card and withdrawal will no longer be rejected!

First, the reasons for the lack of comprehensive scores

1, insufficient credit rating.

Bad records not only refer to overdue records, too many application records and too high debts, but also include public information on your credit information. , will affect your overall performance. There are 1 1 categories that affect your comprehensive credit score, and the specific space is long, so I don't want to explain them in detail here. If you want to know about card friends, you can consult Qin Xiao WeChat.

2. Personal information score is insufficient.

When applying for a credit card, the bank not only scores you through the information on the credit information, but also has a more important place, that is, the personal application information you fill in. There is a requirement of "unification". If every time you apply for a credit card, it is very different from the information in your credit report, the bank will judge you as "unstable" and refuse approval on the grounds that the comprehensive score is not enough. In addition, it is also very important to be "reasonable+true" when filling in the information. It does not mean that you can't pack it, but you must pack it reasonably according to your own conditions, otherwise it will be counterproductive. That's why you shouldn't ask someone to do it for you. It's easy to confuse your personal information.

3. The contribution of banks is insufficient.

This is also the key point of insufficient comprehensive score. In addition to your credit information and personal application information, your contribution to the bank is also an important factor in evaluating your comprehensive score. Tap water, provident fund, large title certificate, fund, deposit certificate or insurance policy are all your contributions to the bank. If there are none, then your score in this respect is 0, then your application is easily rejected because of insufficient comprehensive score, or the amount of credit cards issued is low, which is also the main reason why most cardholders apply for credit cards directly without preparation.

4, personal debt impact score

Generally, cardholders who hold more credit cards or more credits are easily rejected because of excessive debts. First, the total credit limit is too high, and second, the instability caused by high debts, especially the credit cards under their names are all empty, and the debt ratio is extremely high, which greatly affects the comprehensive score;

It is recommended that all cardholders keep at least 20% credit limit in each new card to keep credit liabilities within a reasonable range.

Second, improve the comprehensive scoring method.

1, creating perfect credit information

The key point of building a credit card is "credit reporting". Credit investigation is the basis of handling cards and withdrawing cash. If there is a bad credit record, it is impossible to return the letter. For example, some card friends saw that the bank had a pre-approval limit, but they were rejected when applying. The reason is that there is something wrong with the credit inquiry, which is not only overdue, but also affects the card handling and cash withdrawal even if there are many credit inquiries and high debts. Therefore, it is natural to shape their credit information and comprehensive scores.

2, the correct way of consumption

Why do you want to say the correct way of consumption? Because many card friends always choose the way with lower rate when using the card, such as scanning code to pay. For example, some machines with lower rates seem to save their own credit card fees, but in fact, the bank's fee income has also decreased. So if you don't let the bank make money, will the bank give you a higher quota? The answer is self-evident, so choosing a fixed machine with a unified rate of 0.6% stipulated by UnionPay for "credit card" consumption can also improve the comprehensive score.

3. Special consumption patterns

The special consumption mode to be mentioned here is one of consumption and the other is insufficient balance. It is best to recommend the combination of consumption and insufficient balance first. As long as it is real consumption, it can greatly improve our comprehensive score, because ordinary people can't do it, so banks are biased. Secondly, insufficient balance is also a way to prove that we have higher consumer demand. If the consumer is a high-end merchant, it will help to increase the quota.

How to solve the problem of insufficient comprehensive score of credit card application? Try doing this!

When applying for a credit card, the bank will comprehensively evaluate the applicant with a fixed evaluation standard. The comprehensive score is insufficient, and the application is unsuccessful. What if the comprehensive score of applying for a credit card is not enough? Let's get to know each other.

How to solve the problem of insufficient comprehensive score of credit card application?

If you want to know how to solve the problem of insufficient comprehensive score for applying for a credit card, you need to figure out what went wrong first, so that you can prescribe the right medicine.

Reason one: the applicant's repayment ability is insufficient.

If the applicant does not have a stable job, or the personal debt ratio is too high, the bank will think that his repayment ability is insufficient, and he is more likely to be in loans overdue, thus rejecting his application.

Solution: The borrower can try to provide more financial proof, such as real estate license, creditor's rights and other assets to show his repayment ability; Settle some loans in advance to reduce personal debt ratio; You can also choose those banks that do business with you, or deposit some funds in the bank, which can improve the card issuance rate.

Reason 2: the applicant's credit information is poor.

If the applicant has overdue loans or a large number of hard inquiries, the bank will think that the applicant's personal performance ability is insufficient and the cash flow is tight, so he is unwilling to issue cards.

Solution: If the credit is overdue, the borrower should settle the overdue loan in time to see if he can issue a non-malicious overdue certificate or a settlement certificate, and actively show his willingness to repay, rather than maliciously overdue.

If the credit information is spent, in the past six months, applicants are advised not to apply for credit cards or loan products in a hurry, and then apply after the credit information is improved.

Reason 3: The applicant's information is inaccurate or false.

If the application materials submitted by the applicant are incomplete, the information is incorrect or forged materials are provided, the application will not be approved.

Solution: the applicant should provide complete and effective application materials, and the income certificate, work certificate and other materials should be stamped with the official seal. Don't falsify information. Be sure to answer the call back, and the information should be consistent.

The above is the answer to how to solve the problem that the comprehensive score of applying for credit card is not enough. You can compare and see what's wrong with yourself and remedy it yourself.

How to solve the problem of "insufficient comprehensive score" when approving credit cards

The comprehensive score of applying for credit card is insufficient, which is a problem we often encounter.

The comprehensive score of credit card application is insufficient, which is divided into online application and offline application. Whether it is the applicant's high debt or credit problem, the reason for rejection is the lack of comprehensive score.

Offline credit card application banks see more detailed problems. The reasons for rejection are: inconsistent credit information, no bank, high debt, prohibited industry, unqualified card issuing conditions and insufficient comprehensive score. The lack of comprehensive scores seen by offline banks can actually be changed.

Insufficient comprehensive score refers to the comprehensive score given by each bank according to different customers, but all banks have the same insufficient comprehensive score. The following five dimensions are used to illustrate the lack of comprehensive score and how to solve it.

First, fill in the address

Whether it is home address or work address, you should write down the provinces, cities and counties, accurate to the town and village road number.

Municipalities directly under the central government are cities, districts (counties), towns, villages, roads and numbers.

The purpose of accurate address is to find the applicant's location clearly when the bank pays a return visit, and also to prevent the bank from finding the customer's location smoothly after the credit card application is overdue.

Solution: Fill in the address accurately.

Second, the contact person to fill in:

When applying for a credit card, you need to fill in the contact person, and try to choose immediate family members and colleagues. Immediate family members are parents or spouses. Don't write all about friends or colleagues. All contacts are friends or colleagues, which will lower the overall score.

Fill in the immediate family to prove that there is a family, and people with families are more responsible than those without families. Filling in colleagues indirectly proves that the credit card applicant has a job, only when he has a job can he repay, and the bank principal with repayment ability can be safer.

Contact person's credit information is better. As one of the comprehensive scores, if there is something wrong with the contact's credit information, it will directly affect the applicant's comprehensive score.

Solution: Contact person should fill in immediate family members and colleagues. And credit Wu has a bad record.

Third, the type of housing.

Fill in the nature of residence: self-owned housing, family housing, rental housing, dormitory.

Self-owned housing: Self-owned housing has the highest score, and banks regard self-owned housing customers as high-asset customers. High assets also means low overdue, and even if it is overdue, it has the ability to repay debts.

Relatives' houses: the comprehensive score is high, and relatives' houses are usually parents' houses. When the credit card holder is overdue, he can directly contact his relatives for debt collection through the address.

Rental: The comprehensive score of filling in the rental is relatively low, because the residence is not fixed and the issuing bank has no sense of security, so the comprehensive score is low.

Dormitory: the comprehensive score of the dormitory is the lowest, and the comprehensive score of the dormitory is lower than that of the rented one. Because it cannot be rented, the comprehensive score of the dormitory is lower than that of the rented one.

Whatever the nature of the house, it must be true. The comprehensive score of residential property reported may be low, but the comprehensive score of residential property reported will be deducted instead of being reported.

Solution: On the premise of ensuring the authenticity of residential property. Try to choose a residential property with a higher score.

Four, units and industries to fill in

The comprehensive score order of unit nature is: state-owned, foreign-funded, joint-stock system, private enterprise and individual.

At present, the comprehensive score of individual units is the most insufficient, followed by private enterprises. Employees of individual industrial and commercial households usually have low income, relatively low repayment ability and high risk, so their comprehensive scores are low.

Industry: At present, industries are divided into 28 categories, and some banks will regard service industries as prohibited industries, such as beauty salons, restaurants, baths and KTV. Because these employees are relatively young, earn less, have weak repayment ability and the overdue rate is higher than other industries, some banks will regard the service industry as a forbidden industry.

Fill in the company name: the company name must be filled in the full name. Filling in the company abbreviation will reduce the comprehensive score, which will seriously lead to card rejection. At present, there are many registered enterprises, and their names are easily confused. It is suggested to check the real name of the company by logging in to the enterprise or by eye inspection, and fill in the full name.

Solution: Choose the real company name and fill in the full name of the work unit.

Verb (abbreviation of verb) card conditions:

The card application conditions are divided into five categories: real estate application card, automobile production application card, social security accumulation fund application card, education application card and one-card application.

Real estate application card:

Most customers who apply for real estate credit cards are customers who apply for large credit cards. For real estate credit cards, the bank requires an area of 60 square meters or more or a value of 400,000 yuan or more. If both do not meet the requirements, it will be regarded as insufficient score, which will lead to the rejection of the application or the downgrade of the credit card rating.

Automobile production application card:

Credit cards for automobile products are divided into high-end credit cards and mid-end credit cards.

High-end credit card application requires that the automobile production registration time is more than 3 months and less than 5 years, and the automobile production value is more than10.5 million yuan. Failure to meet the standard is to downgrade the credit card or reject the application on the grounds that the score is not enough.

The application for mid-range credit card requires the registration time of automobile products to be more than 3 months, and the value of automobile products is more than 30,000 yuan. Does not meet the requirements, indicating that the score is insufficient and does not meet the conditions for issuing cards. Both of the above requirements require automobile production to be carried out in the name of the credit card applicant.

Social security accumulation fund application card:

Applying for a credit card in the form of social security or provident fund is related to the payment base. The higher the contribution base of social security accumulation fund, the higher the score and the lower the score.

When handling a credit card with social security accumulation fund, pay attention to whether it belongs to third-party social security. The name of the company that the third party pays the social security accumulation fund will be inconsistent with the name of the company to which it belongs. The name of the company is inconsistent with the name of the company that paid the social security provident fund, which will lead to the deduction of the comprehensive score, resulting in the bank refusing to issue cards with insufficient comprehensive score.

Education application card:

College degree or above, you can find Xuexin.com. If it does not meet the requirements, the comprehensive score will be deducted, resulting in banks with insufficient scores refusing to issue cards.

When you use education, you should pay attention to whether you have used up your credit card. For example, if the university students' bank refuses to issue cards, the bank will regard the university students as having no income, that is, no repayment ability, and the university students are prohibited from customers, so the comprehensive score is insufficient.

Card by card:

Card processing means that the applicant applies for another bank credit card with another bank credit card. When the credit card has been used more than 90%, it is a risky customer, and the comprehensive score of the credit card will be deducted.

When the used credit card is overdue, the comprehensive score drops, and the used credit card is overdue, which is regarded as poor trustworthiness, so the comprehensive score drops.

When the comprehensive score of the second-hand credit card with the lowest repayment rate drops, the bank with the lowest repayment rate of the second-hand credit card is regarded as having poor repayment ability, which leads to the decline of the comprehensive score.

Solution: Try to choose the asset category to handle the card, fill it in truthfully and consistently.

If you like credit card knowledge, please click the attention, and I will continue to bring more credit card knowledge.

Credit card approval is judged from multiple dimensions. Whatever the reason, it will be written as "insufficient comprehensive score" The reasons for the rejection of credit card applications can be analyzed from the following aspects:

1. applicant's age

Generally speaking, the age requirement for credit card application is between 18 and 65. If it is not within this age range, it will basically not pass.

2. The applicant's credit problem

(1) In the past, the applicant's loan or credit card repayment was overdue, resulting in bad results. Especially in the last two years, if it is overdue, it will basically fail. In this case, it is only necessary to keep the credit card or loan repaid normally. It is recommended to apply again after half a year.

(2) The applicant has recently made too many credit inquiries in the name of loan or credit card approval. If there are more than five credit inquiries in the last two months, the system score will be very low and it will be difficult to pass. In this case, it is also recommended to apply again after half a year.

(3) The applicant is a white household, that is to say, the applicant has not applied for a credit card before, and has not made any loan, so the credit information applied for is blank and has no reference in the banking system, so it will not be approved. In this case, you can apply for extra points, such as providing college diploma, providing real estate, providing provident fund or tax bill, providing vehicles and so on as proof of financial resources, and the pass rate will be much higher.

3. The information filled in by the applicant is untrue.

If the information filled in by the applicant is untrue, the bank will refuse to deal with it if it finds false information through big data comparison, so it must fill in real information. In particular, if the information filled in by the applicant this time is inconsistent with the information filled in when applying for a credit card or loan last time, and the time period is within 6 months, it is easy to be regarded as false information and will directly refuse the visa.

4. The applicant didn't get extra points.

As mentioned above, extra points refer to providing additional information as financial proof or credit proof, which will be easier to pass. Financial proof refers to real estate, vehicles, income proof, etc. And credit certificate refers to education, previous credit card and so on.

Finally, it is recommended to apply directly offline, not online, because if you apply online, the staff has never seen you in person and has not verified your work, which is often more strict and difficult to pass.

There is one reason for the insufficient score: there are many online loan points! Credit information has been abolished!

Several methods to improve credit information;

1. Keep normal repayment records, and don't be overdue.

2. Don't book online loans recently, and don't apply for other credit cards.

Try to apply for a credit card after 3.6 months.

4. All banks with assets are applicable.

Having a proper job is a prerequisite for applying for a credit card.

Summary: There are two reasons why credit cards are rejected: the unit and the credit information. Without a fixed unit and a good credit information, it is difficult to approve! Maintain the most basic credit information.

What does it mean to apply for a credit card with insufficient comprehensive score?

There is no comprehensive score for applying for a credit card, which means that the applicant does not meet the application conditions for a credit card. If the applicant's credit card application fails, the bank will not issue the card. The so-called comprehensive score means that the bank uses a fixed scoring system to evaluate the comprehensive credit of the applicant according to the information provided by the applicant.

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.

The credit card stipulated in the relevant laws of our country (Interpretation of the Provisions of NPC Standing Committee on Credit Cards) refers to the 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, cash deposit and withdrawal, etc. 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.

Credit card consumption is a non-cash transaction payment method, which does not need to pay cash when spending, and repays on the bill date.

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.

From the date of 202 1 1 1, the credit card overdraft interest rate is determined by the card issuer and the cardholder through independent negotiation, and the upper and lower limit management of the credit card overdraft interest rate is cancelled (the original upper limit is 0.7 times of the daily interest rate, and the lower limit is 0.7 times of the daily interest rate).

On May 25th, 2002/KLOC-0, the Supreme People promulgated and implemented the Provisions of the Supreme People on Several Issues Concerning the Trial of Civil Cases of Bank Cards.

19 15 The credit card originated in the United States. The earliest institutions that issued credit cards were not banks, but some department stores, restaurants, entertainment industries and gasoline companies.

How to recover from insufficient comprehensive credit card score?

How to recover from insufficient comprehensive credit card score?

If the comprehensive score of credit cards is insufficient, you should first buy more wealth management products from banks or have more business dealings with banks to find ways to reduce personal liabilities. If personal credit information is tainted, the applicant needs to deal with it in time and make corresponding corrections. The more assets and strength the applicant has, the higher your comprehensive score and the higher your credit card limit. At the same time, the debt situation is also one of the indicators of bank inspection. The higher the debt, the lower the comprehensive score. When the debt/asset ratio exceeds 70%, it is difficult to increase the credit card limit. When applying for opening a bank card, you must be at least 18 years old, have full capacity for civil conduct, have a stable job and be able to repay the arrears on time. Good personal credit information is a necessary condition, and applicants can't ignore it. Different banks have different application conditions. If the application in one bank is unsuccessful, you can apply in another bank.

This is the end of the introduction about whether there is a problem with applying for a credit card with insufficient comprehensive score and whether there is a problem with applying for a credit card with insufficient comprehensive score. I wonder if you found the information you need from it?