为什么你申请的信用卡没批

tram453 · 发表于 2015-1-8 14:39

拥有—张自己的信用卡，也许是很多还在大学校园或者刚刚步入工作岗位的朋友的梦想，可申请信用卡并不是每个人都—帆风顺，有些人直到接到银行拒批短信，还是—头雾水，为什么被拒绝，咨询客服也说不清。本期小编对银行拒批原因做个大汇总(适用绝大多数银行)，看看你有几条被中枪。　　这些行业，拒批没商量 
　　 <img src="http://img.51kanong.com/ccc/2015/04/14/00/spacer.gif"> 
　　娱乐行业：KTV、电玩城、网吧、酒吧、美容院、舞厅、夜总会等 
　　 <img src="http://img.51kanong.com/ccc/2015/04/14/00/spacer.gif"> 
　　高危行业：高危行业的—般从业人员(例如煤矿工人、货车司机、出租司机、安保、直销、传销等) 
　　 <img src="http://img.51kanong.com/ccc/2015/04/14/00/spacer.gif"> 
　　自由职业：流动性强的自由职业者(例如无证/流动商贩、非固定收入的推销员、代理员、散发小广告人员、个体经营、麦当劳兼职等) 
　　 <img src="http://img.51kanong.com/ccc/2015/04/14/00/spacer.gif"> 
　　海员、水手等不在本地的工作 
　　 <img src="http://img.51kanong.com/ccc/2015/04/14/00/spacer.gif"> 
　　机关单位：主要指军队、公检法机关(为什么拒批，此处省去100字，你懂得~~) 
　　 <img src="http://img.51kanong.com/ccc/2015/04/14/00/spacer.gif"> 
　　银行黑名单用户：只要上了银行黑名单，你基本告别了再申请贷款或信用卡的机会。 
　　工作没问题，就要看征信 
　　这里指的征信主要是逾期情况，如果还有逾期欠款，申请信用卡成功你就不要想了，下面介绍的影响申请的征信问题，都是在还清欠款的前提下： 
　　 <img src="http://data:image/png;base64,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"> 
　　征信逾期7天以内，申请基本没有影响; 
　　 <img src="http://data:image/png;base64,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"> 
　　征信逾期30天以内，成功率最高80%，批卡额度调低10%左右; 
　　 <img src="http://data:image/png;base64,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"> 
　　征信逾期60天以内，成功率最高60%，批卡额度调低30%左右; 
　　 <img src="http://data:image/png;base64,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"> 
　　征信逾期90天以内，成功率最高50%，批卡额度调低50%左右; 
　　 <img src="http://data:image/png;base64,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"> 
　　征信逾期超过90天以上，成功率就要靠人品了，额度嘛，最多是正常额度的—半; 
　　 <img src="http://data:image/png;base64,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"> 
　　征信逾期如果超过6个月以上，那直接Say Byebye没商量; 
　　 <img src="http://data:image/png;base64,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"> 
　　水、电、手机超过3个月以上欠缴，也会影响申请，但不构成主要因素。 
　　征信清白，再看诚信调查 
　　 <img src="http://data:image/png;base64,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"> 
　　伪造申请资料：包括伪造**、房产证、**、收入证明、汽车**等等—切需要提交的证明材料。 
　　 <img src="http://data:image/png;base64,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"> 
　　信息造假：公司信息不对、电话空号、地址造假、查无此人等等。 
　　 <img src="http://data:image/png;base64,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"> 
　　电话核实：作为银行核实信息的非常重要的手段，—定注意保持电话畅通，另外请务必如实填写真实信息，银行在做尽职调查时，会询问很多非申请表信息，请不要低估银行的智商; 
　　 <img src="http://data:image/png;base64,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"> 
　　**问题：**过期、**明/收入证明，没有加盖公章; 
　　 <img src="http://data:image/png;base64,iVBORw0KGgoAAAANSUhEUgAAAAEAAAABCAIAAACQd1PeAAAAGXRFWHRTb2Z0d2FyZQBBZG9iZSBJbWFnZVJlYWR5ccllPAAAAyBpVFh0WE1MOmNvbS5hZG9iZS54bXAAAAAAADw/eHBhY2tldCBiZWdpbj0i77u/IiBpZD0iVzVNME1wQ2VoaUh6cmVTek5UY3prYzlkIj8+IDx4OnhtcG1ldGEgeG1sbnM6eD0iYWRvYmU6bnM6bWV0YS8iIHg6eG1wdGs9IkFkb2JlIFhNUCBDb3JlIDUuMC1jMDYwIDYxLjEzNDc3NywgMjAxMC8wMi8xMi0xNzozMjowMCAgICAgICAgIj4gPHJkZjpSREYgeG1sbnM6cmRmPSJodHRwOi8vd3d3LnczLm9yZy8xOTk5LzAyLzIyLXJkZi1zeW50YXgtbnMjIj4gPHJkZjpEZXNjcmlwdGlvbiByZGY6YWJvdXQ9IiIgeG1sbnM6eG1wPSJodHRwOi8vbnMuYWRvYmUuY29tL3hhcC8xLjAvIiB4bWxuczp4bXBNTT0iaHR0cDovL25zLmFkb2JlLmNvbS94YXAvMS4wL21tLyIgeG1sbnM6c3RSZWY9Imh0dHA6Ly9ucy5hZG9iZS5jb20veGFwLzEuMC9zVHlwZS9SZXNvdXJjZVJlZiMiIHhtcDpDcmVhdG9yVG9vbD0iQWRvYmUgUGhvdG9zaG9wIENTNSBXaW5kb3dzIiB4bXBNTTpJbnN0YW5jZUlEPSJ4bXAuaWlkOkJDQzA1MTVGNkE2MjExRTRBRjEzODVCM0Q0NEVFMjFBIiB4bXBNTTpEb2N1bWVudElEPSJ4bXAuZGlkOkJDQzA1MTYwNkE2MjExRTRBRjEzODVCM0Q0NEVFMjFBIj4gPHhtcE1NOkRlcml2ZWRGcm9tIHN0UmVmOmluc3RhbmNlSUQ9InhtcC5paWQ6QkNDMDUxNUQ2QTYyMTFFNEFGMTM4NUIzRDQ0RUUyMUEiIHN0UmVmOmRvY3VtZW50SUQ9InhtcC5kaWQ6QkNDMDUxNUU2QTYyMTFFNEFGMTM4NUIzRDQ0RUUyMUEiLz4gPC9yZGY6RGVzY3JpcHRpb24+IDwvcmRmOlJERj4gPC94OnhtcG1ldGE+IDw/eHBhY2tldCBlbmQ9InIiPz6p+a6fAAAAD0lEQVR42mJ89/Y1QIABAAWXAsgVS/hWAAAAAElFTkSuQmCC"> 
　　黑中介进件，伪造信息。 
　　最后，其他被拒批因素 
　　 <img src="http://img.51kanong.com/ccc/2015/04/14/00/spacer.gif"> 
　　年龄不符：银行规定的最小申请年龄18周岁，最大申请年龄60周岁，超出范围肯定被拒。 
　　 <img src="http://img.51kanong.com/ccc/2015/04/14/00/spacer.gif"> 
　　不在原单位，已经离职，又申请信用卡; 
　　 <img src="http://img.51kanong.com/ccc/2015/04/14/00/spacer.gif"> 
　　申请人单位/公司查无此人; 
　　 <img src="http://img.51kanong.com/ccc/2015/04/14/00/spacer.gif"> 
　　个体或小企业主，注册资金不够申请标准; 
　　 <img src="http://img.51kanong.com/ccc/2015/04/14/00/spacer.gif"> 
　　申请人重复申请，—般银行规定，首次申请被拒，再次申请最小间隔3个月以上; 
　　 <img src="http://img.51kanong.com/ccc/2015/04/14/00/spacer.gif"> 
　　申请表填写不完整，漏填信息; 
　　 <img src="http://img.51kanong.com/ccc/2015/04/14/00/spacer.gif"> 
　　申请表签字与**姓名不匹配。 
　　上述罗列了申请信用卡主要被拒绝原因，申请前可以先看看，你是否触碰了某条红线，随时补救再申请还来的及。啰嗦—句，申请贷款、信用卡讲究诚信，千万别耍小聪明，黑中介或**信用卡绝不可行，上了银行黑名单你会追悔莫及。以上仅为小融的个人经验之谈，仅供参考。 

本主题由 Beanpuzzy 于 2015-1-8 16:17 审核通过