The first reason is that the applicant's basic information, such as 18 years of age, occupation is a restricted area for bank credit cards, and the information is not detailed, and the payroll information is not detailed.

The second reason is the applicant's credit information, such as repeated application, unstable work, poor credit record and poor contact with the applicant.

The third category is other reasons, such as the contact person is unaware or unwilling to be a contact person, the applicant's health reasons, and the contact person's requirements are unqualified.

If you apply for a credit card, the bank will check your credit report. If you apply for multiple times, you will have the query record of multiple applications. If the report shows that there are many inquiries about credit card applications, but there are not many credit cards in my name, people will wonder if there will be other problems. However, at present, China's credit investigation has just started, and it generally doesn't matter that there is no bad record.

Extended data:

skill

1, spend first and then repay, no need to deposit in advance, lead the fashion life, and fully demonstrate your dignity and taste.

It has a dual account of RMB and USD, which can be used both at home and abroad. Domestic (including overseas transactions through UnionPay network) transactions are credited to RMB account, and overseas transactions are credited to USD account.

3. The function of "domestic consumption password optional" is the first in China, which can be flexibly selected according to personal card habits to meet your different needs.

4. Provide monthly statement to facilitate your financial management. The repayment methods are flexible and diverse.

5. Carefully select national preferential merchants to provide you with many discounts on food, clothing, housing and transportation, so that you can always experience VIP courtesy.

6. If your card is lost, you can report it by phone. After the loss report comes into effect, our bank will provide guarantee, and you don't have to bear any financial risks.

7. If there is any dispute about any consumption payment, you can enjoy priority treatment, pay after verification, and feel more at ease with your card.

8. When you lose your card overseas, provide emergency card replacement and emergency cash withdrawal services to help you continue your beautiful trip and make you feel intimate even when you are overseas.

9. Set up a 24-hour service hotline with business outlets all over the country to serve you anytime and anywhere.

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