This means that the credit card application failed and did not pass the review. The reasons why the application for Industrial Bank credit card failed to pass the review are:

Reason 1: The applicant’s insufficient repayment ability

The applicant’s insufficient repayment ability involves two aspects. One is the applicant’s insufficient repayment ability. If the applicant's income is too low and exceeds the bottom line of the credit card issuance limit, the bank will reject the application.

The other aspect is whether the applicant’s job is stable. Many applicants have a high income, but due to unstable sources of income, such as self-employed people, banks will worry about the applicant’s future repayment ability. , it may also be rejected.

Reason 2: The applicant’s credit record is not good

The applicant’s credit record will also be an important reason why the credit card is not approved. No matter how high the applicant’s income is or how good his position is, There may even be high-value assets, but if the applicant's credit record is not good and there are many overdue records, then the bank will think that although the applicant has the ability to repay, there is a possibility of being a "laoguai", that is, unable to repay. To the bank, such cardholders are no more valuable than those who have no ability to repay, so the credit card will not be approved.

Reason 3: The applicant does not have a card-issuing bank branch in the local area

Although the bank does not clearly state that applicants from certain areas cannot apply for a card when applying for a credit card, the bank will do so when approving the credit card. Application information that does not have bank branches in the area will be directly rejected.

Reason 4: Too many credit cards

If the applicant holds too many credit cards, the bank will look at the overall performance of the credit cards it currently holds when evaluating whether to issue a card. The credit limit is compared with the income, and whether the applicant still has the ability to repay the new credit card. For example, although the applicant has a monthly income of over 10,000 yuan, but he already has three or four credit cards worth tens of thousands of yuan, then the bank will consider the applicant's The comprehensive credit ability has been exceeded. If you issue a card to him again, there will be a risk of being unable to repay, because this type of applicant will also fail to get the credit card approval.