People with high debt ratio will generally be rejected when they apply for credit cards from state-owned banks, even if they issue cards, the amount will not be very high;

I suggest that you can apply for a credit card from the local bank. Compared with state-owned banks, local banks are more tolerant of liabilities. As long as the liabilities do not exceed 70%, they can generally approve cards.

2. Provide proof of financial resources

For banks, high debt ratio means that the applicant's repayment ability is low. In order to avoid non-repayment at maturity, ordinary banks will not issue cards to such people;

If the applicant's debt ratio is too high, he can provide effective financial proof to the bank, such as real estate, vehicles, wages and other information, to prove his personal repayment ability, and also increase the success rate of issuing cards.

3. Reduce the debt ratio

It is suggested that applicants should pay off their debts as soon as possible according to their own ability, or pay large bills in installments to reduce the debt ratio;

If the applicant already has a credit card, he can choose to cancel the extra credit card. Too many credit cards will lead to too much debt, and it will be more difficult to apply for a credit card again.

In the first three months of handling a credit card, it is best not to use small loans or inquire too much about personal credit, which will also affect the review of credit cards.