This is a common excuse used by banks for card applicants who fail to pass the review. If you respond to this sentence, it must be that one of your items has failed to pass the bank's review standards.

When applying for a credit card, banks often examine many factors, such as whether the applicant’s job is stable, bank flow, personal debt, and whether there are many online loan application records. Of course, some of them have Will refer to big data credit. As long as there is a problem with any one of them, it will be difficult to pass the approval.

What banks are more taboo about is overdue records. As long as overdue records are found in personal credit reports and are recent, 80% of them will be rejected. There is also a big data credit score, which can be checked on WeChat: Just check it and you will know. If the risk index is too high, the bank will choose to reject it. Many netizens have reported that they were not able to pass the credit card due to unqualified big data. You have applied for it, so you must pay attention to your usual borrowing behavior and do not exceed the deadline.