If the Rural Credit Cooperative Card shows that the customer verification failed, it means that your information does not match. The term information has a relatively large scope, such as the following points.

1. The applicant has a bad credit record

When applying for a credit card, the applicant authorizes the bank to check his or her credit information system in the People's Bank of China. If you have a bad credit record, including late repayments on credit cards, late repayments on loans, etc., then your application for a credit card will 100% fail to pass the review. This is because the credit record represents your credit situation. If you have poor credit, the bank will not dare to issue a credit card to you because the bank will bear a higher risk of default.

2. The applicant’s occupation is not suitable

The bank requires card applicants to have a fixed job and a stable source of income. Therefore, waiters, courier company employees, insurance salesmen, direct sales personnel, Drivers, freelancers, etc., as well as employees in some prohibited industries, generally cannot apply for credit cards.

3. The applicant’s income is low

If the applicant’s monthly income is relatively low, it will be more difficult to apply for a credit card. In order to avoid the risk of applicants not repaying their loans on time, banks require applicants to present supporting documents that can prove their stable income, such as salary statements, etc. when applying for a credit card. If the applicant's income is relatively low, then he cannot guarantee that he will have money to pay off the credit card every month, and the risk of overdue will naturally be higher. At the same time, the applicant with a low income also has poor spending power. For the bank, it is very difficult for you to pay back the credit card. If you use less credit cards to make purchases, banks will not make money. Therefore, banks are unwilling to issue credit cards to this type of applicants.

4. Short working years

In order to avoid risks, banks require credit card applicants to have stable jobs. They generally have certain restrictions on working years and require working hours of at least half a year. For this reason, banks may require applicants to provide social security certificates and other materials for six months or more when applying for a credit card. If the applicant has worked for less than half a year, it is likely that there is no hope of applying for the card.