बैंक बार-बार रिजेक्ट कर रहा है आपके क्रेडिट कार्ड का आवेदन? ये वजह हो सकती है

08 September 2025 08 September 2025 Image Credit: Canva

कम क्रेडिट स्कोर

[{"selector":"#anim-b5510200-114a-42b4-9c38-7e0055e2df56 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-cabca97a-fe83-47fb-be81-c47b4d22ebb1","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3c7c43dd-43b9-4f4e-b9b3-4f8a9a891b22","keyframes":{"transform":["translate3d(0px, 87.05009%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-921ff0e8-e904-4e30-9fe2-27743d487e9d","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c8310ca9-568a-4712-a926-ef62533f0c0b","keyframes":{"transform":["rotate(-360deg) translate3d(128.26087%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e29bc302-4e3e-49e1-a4ce-fbc9edfd15ce","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-da525a5c-6cae-4589-adb0-04ef908459dd","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] अगर आपका क्रेडिट स्कोर कम है तो बैंक आपके क्रेडिट कार्ड आवेदन को बार-बार रिजेक्ट कर सकता है। White Frame Corner Image Credit: Canva

हाई डेट टू इनकम रेश्यो

[{"selector":"#anim-0fe9c58b-a4c0-47ed-b9cb-ec04f6a46299 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-961aee40-b612-4a88-97c9-df753f826dff","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a7552637-b11d-4b40-b6db-aaab71157071","keyframes":{"transform":["translate3d(0px, 80.06088%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-51549e56-23bb-4024-a8e1-91c8d15c1e9b","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f87672c2-0cae-4892-962f-823cc34ff7f6","keyframes":{"transform":["rotate(-360deg) translate3d(125%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a753dc03-2dfb-4cb2-a8a6-d9b7d1448f29","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-163c8447-dbd8-41e8-a856-b687a951d00e","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] अगर आपकी आय की तुलना में आपके ऊपर पहले से ही बहुत ज्यादा कर्ज है, तो बैंक आपको ज्यादा क्रेडिट देने में हिचकिचा सकते हैं। White Frame Corner Image Credit: Canva

क्रेडिट कार्ड आवेदन करने वक्त गलतियां

[{"selector":"#anim-bffe2950-f76d-4b5a-877e-a78c2d641e6f [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-efb59996-0414-43a7-8b1d-1fa788b1add6","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2b1c3dfd-4a02-4c36-9da1-2de3a452ac1b","keyframes":{"transform":["translate3d(0px, 79.5568%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-702c2444-a83e-4a33-9e47-09c079c71e9e","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-192dec4a-a317-4944-b8b6-b8c7bb8967e8","keyframes":{"transform":["rotate(-360deg) translate3d(128.62319%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1da32ac6-ee24-42d6-883a-825b6c588e70","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-ba659868-b31c-429a-bd9d-64fd2c6b1a60","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] आपके नाम, पते या पहचान संख्या जैसी पर्सनल जानकारी में गलतियां होने से बैंक आपका आवेदन रद्द कर सकता है। White Frame Corner Image Credit: Canva

कम समय में अधिक आवेदन

[{"selector":"#anim-0f67d58f-0556-45bb-943b-35621bd108f5 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-11e1270b-de79-4bf5-acf2-a94319676b46","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3c791576-35d2-4d4f-a19f-18409e9b8b62","keyframes":{"transform":["translate3d(0px, 80.06088%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-eeeaec04-b9db-485b-af63-816f47c713e0","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1a8b9fb3-c49f-4822-a8f0-879ab3ed424d","keyframes":{"transform":["rotate(-360deg) translate3d(128.62319%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ce548247-f0a7-4684-be88-ae9cf9ec7e25","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-b29349a0-3130-4a20-871e-e07dcdc81e18","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] आगर आपने कम समय में कई क्रेडिट कार्ड के लिए अप्लाई कर दिया है तो इस कारण से भी आपका आवेदन रिजेक्ट हो सकता है। White Frame Corner Image Credit: Canva

पर्याप्त इनकम न होना

[{"selector":"#anim-68132502-5771-4092-bddc-2043ffc4bc76 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-ac6fe95d-c505-4afe-8ef1-4a2f464aea5e","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dd28ef2b-2735-487e-bd4d-96764cc60f6d","keyframes":{"transform":["translate3d(0px, 78.78199%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-415dc049-24db-4c53-8836-1ee92786b7a1","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-21a6a58c-91e4-43d3-8cfd-534a19bdac82","keyframes":{"transform":["rotate(-360deg) translate3d(125%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-de90dc3d-7913-4a52-b778-34462937f095","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-db7f28d0-3df5-4a5d-babc-5b1772a11097","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] यदि आपके द्वारा बताई गई इनकम बैंक की मिनिमम जरूरतों को पूरा नहीं करती है, तो आपका आवेदन अस्वीकार किया जा सकता है। White Frame Corner Image Credit: Canva

बैंक पर बकाया ऋण

[{"selector":"#anim-f72922aa-443d-4fa7-96b6-51c148ee54a0 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-54c4a98d-7f83-44b0-9c97-8c64fa652d1d","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-77ddeacf-f4c7-489e-bf0f-faf2550cbeb5","keyframes":{"transform":["translate3d(0px, 80.11536%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e0458899-f99b-419a-8a21-ef64e195155b","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-da4b7bb5-00ad-4ef0-9f2e-73f2b3475cac","keyframes":{"transform":["rotate(-360deg) translate3d(128.62319%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d7d3753a-37b2-433f-af3b-4de74316d033","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-4b3e4423-4fda-4e3e-a123-43a42edb7a35","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] यदि आपके पास अनपेड ड्यू (Dues) या जारीकर्ता बैंक के साथ आपका निगेटिव हिस्ट्री है, तो वे आपके अनुरोध को अस्वीकार कर सकते हैं। White Frame Corner Image Credit: Canva

आइडेंटिटी वेरिफिकेशन समस्याएं

[{"selector":"#anim-74fcb3fd-d68e-4384-beb4-5027d96d1bff [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(0%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-28f7146a-b0a0-4343-87d8-f055a392183d","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-13627cf4-19de-4503-86d6-a041d6102fe8","keyframes":{"transform":["translate3d(0px, 80.11536%, 0)","translate3d(0px, 0px, 0)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9ebdf513-0b6e-4006-8060-6410a5114970","keyframes":{"opacity":[0,1]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f52ab2c5-326b-4a52-a04e-0adbb93008cb","keyframes":{"transform":["rotate(-360deg) translate3d(125%, 0px, 0) rotate(360deg)","rotate(-360deg) translate3d(0px, 0px, 0) rotate(360deg)"]},"delay":600,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-22529be4-ab8f-4c01-97ac-fe2a0e3c80c2","keyframes":{"transform":["translate3d(123.99999%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-8ab03624-11d0-4a57-94ee-d0d69b6994d9","keyframes":{"transform":["rotateZ(180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] यदि बैंक आपकी आइडेंटिटी वेरिफाइ नहीं कर पाता है या धोखाधड़ी का संदेह है, तो वे आपका आवेदन रद्द कर सकता है। White Frame Corner Image Credit: Canva

संबंधित खबरें रिकॉर्ड स्तर पर सोने का भाव, चांदी भी पीछे नहीं - जानिए क्यों बढ़ रहे हैं गोल्ड और सिल्वर के दाम ये हैं दुनिया के सबसे एक्सक्लूसिव और महंगे क्रेडिट कार्ड जिन्हें आम लोग छू भी नहीं सकते - LIST गोल्ड ने बनाया नया रिकॉर्ड! 10 ग्राम का भाव ₹1 लाख 7 हजार के पार - चेक करें अपके शहर में क्या है ताजा भाव? Gold Price Today: सोना हुआ और भी महंगा! जानें आज आपके शहर में 22 और 24 कैरेट का रेट Gold Rate Today: सोने की कीमत में तेजी! दिल्ली से मुंबई तक जानिए ताजा भाव Gold Rate Today: फिर महंगा हुआ सोना! दिल्ली से लेकर चेन्नई तक यहां चेक करें ताजा भाव पैसों को लेकर ये 8 किताबें आपकी सोच और बैंक बैलेंस दोनों के बदल देंगे - पढ़ के तो देखो Gold Rate Today: हफ्ते के पहले दिन गिरा सोने का भाव, चेक करें आपके शहर में आज का ताजा भाव गोल्ड मार्केट से आई खुशखबरी! शुक्रवार को सस्ता हुआ सोने का भाव - चेक करें लेटेस्ट रेट