1. See if the customer is overdue. If there is overdue, and the amount is large and the time is long, the bank is likely to reject the customer's credit card application.

2. See if the customer has loans from other banks or other financial institutions. Based on this information, the credit card approval department of the bank will evaluate and then determine the amount.

3. See if the customer has credit card approval information from other banks, and understand the customer's credit comments. If he has a credit card in another bank, it will increase the possibility of getting a card.

4. Check whether the total credit of all credit cards of customers is within a reasonable range. For example, if the customer's total credit is 65,438+000,000, and other banks have already given 900,000, then the bank can only provide customers with a credit card limit of 65,438+000,000 yuan at most.

5. Number of inquiries. This is the last item. If there are many inquiries from customers and the inquiry method is credit card approval, then the bank will think that the customers are short of money and may not issue cards to them. Moreover, if the customer's guarantee qualification is examined more, it will also have an impact on credit card approval.