If you have the following situations, it will be difficult to apply for a credit card:

1. Have a bad credit record

After receiving the credit card application, the bank will Check the applicant's credit record through the credit reporting platform. If you have a good credit history, you are more likely to be approved for a credit card.

2. Does not meet the card issuance conditions

Many users do not carefully read the application conditions when applying for a card. Many credit cards have application conditions, such as student cards, female cards, membership cards or age restrictions. These problems will directly lead to the rejection of the card application.

3. Few application materials

Card applicants must pay attention to the authenticity and completeness of the application materials, which 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 and can submit a house purchase contract, vehicle driving license, etc., the probability of approval is greater; if you only have simple materials such as a copy of your ID card, the probability of approval is small.

4. The bank score is not up to standard

Banks use a scoring system to automatically score users. Cards can only be approved if they reach the score line set by the bank. If the score is not reached, the card will be rejected. The notice "Card issuance refused due to insufficient comprehensive score" received by the user refers to this score.

5. Encounter rogue intermediaries

When applying, try to choose a formal bank institution. Intermediaries that collect money to apply for cards and some roadside card application points are often used to defraud money and user information, and Card cannot be approved.

You said that you prepared sufficient materials, but the bank does not think so. The bank review is based on the comprehensive score. If you failed, it may be because there was a problem with your credit report before, or the work certificate and property certificate did not meet the bank review standards.