1, overdue: if there is overdue record, the bank will definitely be unwilling to lend money, so the premise of applying for a credit card must be good credit.
2. Credit blank: Credit blank and bad credit application will be rejected, because there is no credit record in the credit report, and it is difficult for banks to judge whether you are trustworthy.
3. Job instability: People who have unstable jobs or engage in high-risk occupations are generally rejected by banks because of unstable repayment.
4. Low income: It is very difficult to apply for a credit card with a monthly salary of less than 3,000 yuan, but it is ok if you can submit proof of property.