Credit card applications can't come down, mainly because visas are refused. For example, when a flower shop opens, the amount of IOUs in JD.COM is very high, and personal credit inquiries are frequent. Although no credit card is used, it is similar to the consumer financial products of Ant Flower Flower Flower and JD.COM White Strip. As long as you apply for this credit, it's just like a bank credit card.

Intensive application or too many applications in a period of time may be regarded as the risk of long-term lending by banks. Another reason is the frequent personal credit inquiries. If the personal credit inquiry is conducted intensively for a period of time, the credit card will also be rejected. For example, a person's credit card and consumer financial products add up to 400,000, which usually exceeds 50,000, but the bank can't see the daily expenses from the credit information system, only knowing that you already have the limit of 400,000, and the bank will worry that raising the limit will exceed the repayment ability of the cardholder.