White households are those who have never applied for credit cards or loans. This kind of person is blank in the credit record of the People's Bank of China, and the bank can't judge the credit status of the card, so it is likely to be rejected directly.

Bad credit information;

(1) For example, overdue (large sum and long-term overdue recently) or direct "illegal account";

2 For example, high debt (there are debt statistics on the credit report, including the credit line and loan line of each line. If it is considered as high debt by the bank, your repayment ability will be considered);

(3) For example, the credit investigation is too diligent (recently, there are always banks that check your credit, and they either apply for a card or make a loan themselves. Frequent card loans are also very problematic. The bank thinks you are extremely short of money and refuses to give you a card.

4 For example, if you usually use too many cards, you will be suspected of cashing out.

If you are in a hurry to get a card, you can go to the bank counter and apply face to face with the bank. Remember to bring proof that can show your repayment ability, such as real estate license, and the bank will relax it as appropriate. If the counter application is still rejected, take a rest first, make good use of the existing card and find ways to increase the quota.