The standards for banks to review credit cards are similar, but they still have their own standards in some details. They may choose their own target customers, that is, customers they think will help them make money (for example, people who shop more and have better repayment ability, it is best to pay only the minimum repayment amount for a long time). Generally speaking, the bank will consider the income of the applicant first, and then see if the applicant has other credit card or unsecured loan business in the bank (please note that the housing loan is a secured loan; In addition, at present, domestic banks have not shared information, and other banks will not be found unless they are blacklisted. Compare the two to see if you can give the applicant an additional credit line. If yes, we will continue to refer to the information provided by the applicant, such as job position (the higher the position, the better), qualifications (the longer the working hours), housing (living with parents is more advantageous than renting or buying a house by ourselves), whether or not to get married (dual employees have no children > single employees > dual employees have children > single employees), educational background (the higher the educational background, the better), age (the older the more unfavorable), and occupation (. Because you can't be exactly like your classmates, it's normal for you to have this situation (they may already have other credit cards or loans in this bank). Of course, the possibility of mistakes by the card approval department is not ruled out. You can ask your friend to call the hotline and ask for re-approval.