A: This is the second time I’ve been turned down for a credit card in a month. I don’t know what I’m doing wrong.
这是我一个月之内第二次信用卡被拒了。我不知道自己做错了什么。
B: Have you checked your credit report recently? Maybe you have a bad credit rating.
你最近有没有查看信用记录?或许你的信用评级不好。
A: I have a full-time job with a good income, which they can easily verify, and I don’t have any outstanding debt, so what could be the problem?
我有一份收入良好的全职工作,他们很容易证实,我也没有大额未偿付债务,那可能是什么问题呢?
B: Have you had a credit card before?
你以前有没有信用卡呢?
A: Yes.
有。
B: Did you always make your payments on time?
你有没有及时支付呢?
A: Well, no.
哦,没有。
B: Then that may be your answer. Your payment history makes a big difference with the credit bureau. If you’ve missed payments or been late, that’s a big strike against you.