Generally speaking, the main reasons for refusal are:

1, the cardholder has a bad credit record. First of all, have you applied for credit cards from other banks before, or have you applied for other loans, and have you defaulted on utilities, gas, cable TV, telephone and mobile phone charges. If yes, the list of bad records of the central bank at the meeting. In this case, the bank will question your credit and will definitely be rejected. Only by paying off the arrears and eliminating the credit history can we bid.

I haven't verified my identity. Generally speaking, the petition department of the bank will check the authenticity of the applicant's information by telephone before approving the card. If the bank calls your office phone or mobile phone and you don't get it, it is impossible to verify the applicant's information, and it will generally refuse, so always pay attention to the information and phone number given to you by the bank.

3. Holding multiple peer credit cards, the number of credit cards that each cardholder can handle is limited, and it is impossible to handle more.

Without any record, the bank won't believe you. You can open a savings card in a bank that wants to apply for a credit card, which can increase the trust of the bank.

Credit card processing needs to meet the following conditions:

1. 1. Require 18-year-old citizens with civil capacity.

2. Require stable income and provide proof of income, prove repayment ability and refer to the setting of credit card limit. If you have successfully applied for a credit card, you can apply for a card with a card, and the process will be much easier.

3, personal credit should be good, no bad record.

Whether you can successfully apply for a credit card is also related to your occupation, such as security guard, self-employed, farmer and so on. However, I understand that some banks have launched a "Huimin Card" for farmers.

Generally speaking, a stable job is a necessary condition for successfully applying for a credit card. Of course, this is not absolute. For example, many universities now have card business specifically for college students. This is unconditional credit card processing, and college students only need to bring their personal documents and student ID cards to the bank for processing.

6. Foreign and overseas personnel and officers in active service should issue temporary accounts issued by local public security departments or certificates issued by relevant departments, and provide guarantee units with guarantee conditions or guarantors with local accounts and working in the local area. You can check whether your credit card requirements meet the above six conditions. If yes, you can apply for a credit card at a bank outlet or online. If the credit record is bad or the application materials are few and do not meet the conditions for issuing cards, you will not be able to apply for a credit card.