To apply for the credit card of Guangfa Bank, you need to meet the conditions of age 18~65 years old, stable repayment ability and good credit information. Any behavior that does not meet these conditions may lead to the failure of credit card application. Failure to pass the audit means that your credit card application failed and the credit card will not be issued.

Generally speaking, the reasons for the unsuccessful credit card application of Guangfa Bank are as follows:

1. The bank score is not up to standard.

Banks use a scoring system to automatically score users. Only when the score specified by the bank is reached can the card be approved. If it is not reached, the card will be rejected. The user receives the notice that "the comprehensive score is insufficient and the card issuance is rejected", which refers to this score.

2. Less application materials.

The authenticity and integrity of the application materials is an important basis for the bank to approve the card. This information is especially important when applying for a credit card for the first time. For example, if you have a house and a car, you can submit the approval documents such as the purchase contract and vehicle driving license. If there are only simple materials such as a copy of the ID card, the probability of passing is very small.

3. The application channel is wrong

Generally, you can choose to apply for a credit card in a bank in official website, or you can choose to apply at a bank outlet or contact a salesman at home. If you are deceived by a false intermediary and choose informal channels to handle credit cards, the chances of passing will be greatly reduced;

The above is the reason I summarized. I hope I can help you, and I wish you success in handling the card next time.