If you are applying for a China Merchants Bank credit card, the application review will be comprehensively evaluated by the system and will take into account many factors, such as work, income, stability, personal credit and other aspects. It is not unilateral. determined by factors. It may be that the information you attached when you originally applied did not fully reflect your personal situation, which resulted in the application not being approved. You can reapply 3 months after your initial application.