What should I do if my car card application is rejected?

Although the application threshold of China Merchants Bank's credit card is very low, not everyone can apply successfully, and many customers have been rejected. Some people here may ask, what if the application is rejected? Let's take China Merchants Car Card as an example to give you a detailed introduction.

A friend took a fancy to a car credit card of China Merchants Bank. With this credit card, he can enjoy 0 interest rate installment discount and up to 5% cash back at the designated gas station. Unfortunately, China Merchants Bank refused.

After analysis, his rejection may be related to his being a freelancer. Freelancers are easily rejected when applying for credit cards or loans. Because of their professional freedom, their income is often unstable, and banks will think that they do not have the ability to repay on time and continuously.

In addition, the card application will be rejected for the following reasons:

1. The income certificate or asset certificate provided by the applicant is insufficient, and the bank will not approve it considering that you are unable to repay or the card level applied for is too different from your personal income;

2. The applicant has an overdue or bad credit record before, and the bank is naturally reluctant to accept debtors;

3. You have submitted too many bank card applications at the same time, and the bank thinks that you have the possibility of malicious overdraft.

Reminder: after the initial card failure, it will be done at least three months later. Because from the bank's point of view, the applicant's qualification will not change greatly within three months, so it will basically be rejected with reference to the first reason

China Merchants Automobile Card Automobile Credit Card

(Up to 50% discount for refueling, installment discount, 150% points accumulation policy)

In addition, the following points should be noted when applying:

1. When you apply for a credit card again, you should complete all kinds of information as far as possible, such as ID card, work certificate, salary list, real estate license, automobile driving license, bank time deposit certificate, etc.

2. If you apply for the same credit card from the same bank again, the possibility of rejection is still relatively high. You can apply for another card. If you fail to apply for a gold or platinum card, you can try to apply for an ordinary card.

3. Check whether you have a bad credit record before applying. If it is not the best, after all, a good credit record will affect the credit card application.