1. According to the inquiry of China Travel Service. Com, the credit record is tainted: the applicant's credit record has bad behaviors such as overdue, arrears, or complicated situations such as multiple loans and excessive credit. The bank will think that the applicant lacks credit and is risky, and will refuse the application.

2. Too many times of credit inquiry: the applicant inquired about the personal credit report many times in a short time. After inquiring about loan approval and credit card approval, the bank will think that the applicant is in urgent need of money, which is risky and will refuse the application.