Good credit is only a part of getting a card, and the bank will also consider other qualifications of the applicant.

1, personal monthly income, which is related to the applicant's quota.

2, education level, bachelor degree or above, the success rate of card processing is higher.

3. Work situation. If you don't have a job for the time being, it is recommended to apply after looking for a job for 6 months. Without a job, it is difficult for banks to approve cards.

4. Violation of trust. If the cardholder has a record of overdue repayment, it is recommended to pay off the arrears first, then continue to cover the bad credit record with the card, and apply for a credit card again after 24 months.