Banks will review credit card applications through a special comprehensive scoring system, and there will be many reference factors, such as work, income, stability, personal credit and so on, which are not determined by unilateral factors.
If the cardholder fails to apply because the application data can't fully show his personal situation, he can call customer service to ask for re-examination, and he needs to supplement the application data, or he can reapply three months after the initial application.