1. The cardholder has a bad credit record.

First of all, before this, have you applied for credit cards from other banks, or applied for other loans, and have you ever defaulted on utilities, gas, cable TV, telephone, mobile phone and so on? If yes, the list of bad records of the central bank at the meeting. In this case, the bank will question your credit and will definitely be rejected. Only by paying off the arrears and eliminating the credit history can we bid.

I haven't verified my identity.

Generally speaking, the petition department of the bank will check the authenticity of the applicant's information by telephone and other means before approving the card. If the bank calls your office phone or mobile phone and you just miss it, you will not be able to verify the applicant's information and will generally refuse, so always pay attention to the information and phone number given to you by the bank.

3. Holding multiple peer credit cards: each cardholder can handle a limited number of credit cards and cannot handle more.

Your most likely problem is that you have a bad information record. In addition, it is possible that your economic level is not very high and the bank has doubts about your repayment ability.