1. Bad credit record: Credit record is an important reason for the failure of credit card approval.

2. Insufficient repayment ability: If the applicant's income is too low and exceeds the bottom line of credit card issuance, the bank will refuse.

3. Incomplete supporting documents: When applying for a credit card, the bank will make a comprehensive score according to the information submitted by the applicant. If the information provided is incomplete, the bank thinks that the economic conditions are not good and generally will not pass the audit.

4. Too many credit cards: If the applicant holds too many credit cards, the bank will judge whether the overall credit limit of the credit card he holds now is compared with his income and whether he has the ability to repay the new credit card.