Fill it out truthfully. Although you do not work in a company as a freelancer, you have a stable income. If you provide proof of income and bank statements, you can generally apply for a credit card.

The applicant is engaged in the restricted promotion industry of the credit card issuing bank: wholesale, individual, direct sales, logistics, entertainment and catering, security and freelancers, etc. Due to the unstable source of income, the bank is not sure whether If you have enough ability to repay the loan, your card application is likely to be rejected.

It is recommended that before re-applying for a card, you first go to the Personal Credit Reference Center of the People's Bank of China to check your personal credit report to understand your personal credit situation. If there is any overdue or bad record, deal with it as soon as possible.

Prepare sufficient application materials. If it is not urgent, it will take at least 3 months, and it is best to apply again in about 6 months. Do not apply repeatedly in a short period of time, and try not to apply to another bank immediately, because when you apply for a credit card from the bank, the bank will leave traces in the personal credit system. If banks see multiple applications in a short period of time, they will think that they are in urgent need of money. , has higher credit risk and is easily rejected. Extended information

The age of the applicant does not meet the prescribed card issuance standards. Many banks require that they be over 18 years old. Some are slightly different. For details, you can consult the bank’s customer service.

There are no bank branches in the area where the applicant is located. To apply for a card online, you need to go to the counter to activate it in person. Therefore, if there are no bank branches in the local area, you will not be able to apply.

The number of credit cards exceeds 5: Before the bank approves the card, it will look at the number of cards the applicant holds. When you have credit cards from multiple banks, the possibility of being rejected is greatly increased.

The average maximum credit card usage limit in the past 6 months: The average maximum usage limit in the past 6 months is greater than 70 of the limit. Some cards are even maxed out, and the bank will think you are suspected of cashing out.

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