1. The income certificate or asset certificate provided by you when you apply for the card is insufficient, and the bank will not approve it on the grounds that you are unable to repay;

2. You have an overdue or bad credit record before;

Third, you have submitted too many bank card applications at the same time, and the bank considers that you may have the possibility of malicious overdraft.

I suggest you go to the Personal Credit Information Center of the People's Bank of China to check your credit status. For specific local outlets, you can check it on the website of the Personal Credit Information Center of the People's Bank of China. If there are overdue or bad records, please deal with them as soon as possible and submit the application after 6 months.