If the user has sufficient repayment ability and the debt ratio does not exceed 50%, then the credit card can be successfully processed, and the debt is 1.9 million.

However, users do not have stable jobs and income, and the debt ratio is high. It is very difficult to apply for a credit card with a debt of 6.5438+0.9 million. Therefore, whether the user can successfully apply for a credit card is only one of the factors.

There are many customers who apply for mortgage business from banks, and their debts are relatively high. However, such users can often successfully apply for credit cards, mainly relying on their own repayment ability.