Why are Ningde people denied loans and credit cards unfair?

Failure to apply for a credit card just does not meet the requirements of a bank, and it will not affect your credit card center's credit recognition of other banks. It is best to find out the reason for the failure, whether the income does not meet the requirements of the applicant bank, or the information is incomplete, or the credit record is bad. In these industries, banks generally do not approve credit cards:

Entertainment industry: KTV, electronic games, Internet cafes, bars, beauty salons, dance halls, nightclubs, etc.

High-risk industries: ordinary employees in high-risk industries (such as coal miners, truck drivers, taxi drivers, security guards, direct sales, pyramid schemes, etc.). );

Freelancers: Freelancers with high mobility (such as unlicensed/mobile vendors, salesmen with uncertain income, agents, small advertisers, self-employed individuals, part-time McDonald's, etc.). );

Seamen, sailors and other non-local jobs;

Organs and units: mainly refer to the army and public security organs;

Blacklist users: As long as they are blacklisted by banks, they have no chance to apply for loans or credit cards.

There is no problem with the work, it depends on the credit information:

The credit information mentioned here is mainly overdue. If there are overdue debts, applying for a credit card will not succeed.

Within 7 days after the credit is overdue, the application basically has no impact;

Credit investigation within 30 days overdue, the highest success rate is 80%, and the card approval amount is lowered by about10%;

If the credit is overdue within 60 days, the highest success rate is 60%, and the amount of card issuance approval is reduced by about 30%;

If the credit is overdue within 90 days, the highest success rate is 50%, and the amount of card issuance approval is reduced by about 50%;

If the credit is overdue for more than 90 days, the success rate depends on the personality, and the amount is at most half of the normal amount;

If the credit is overdue for more than 6 months, just say Byebye.

The payment of water, electricity and mobile phone for more than 3 months will also affect the application, but it does not constitute the main factor.