You can dial the manual customer service phone of the card bank to find out the reason. After the online customer service informs the user of the reasons for not passing, the user can only pass the examination and approval by applying for a credit card again after solving the problem. Otherwise, users can only see the progress of applying for a credit card, and can't see the actual reasons for the failure. Generally speaking, users do not meet the criteria for credit card applications, and then they fail. Only a few users meet the criteria for credit card application, but their personal credit qualifications are average or weak, so at this moment, banks may refuse users' applications for risk control reasons.

Reasons for credit card rejection:

1. After receiving a credit card application, a bank with a bad credit record will check the applicant's credit record through the credit information platform. If the credit record is good, the credit card is more likely to be approved.

2 does not meet the conditions for issuing cards.

Many users did not read the application conditions carefully when they applied for the card. Many credit cards have application conditions, such as student card, female card, membership card or age limit, which will directly lead to the rejection of card application.

3. Less application materials

Applicants must pay attention to the authenticity and integrity of the application materials, which is an important basis for banks to approve cards. 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, you can submit the approval documents such as the purchase contract and vehicle driving license. If there are only simple materials such as a copy of the ID card, the probability of passing is very small.

4. The bank score is not up to standard

Banks use a scoring system to automatically score users. Only when the score specified by the bank is reached can the card be approved. If it is not reached, the card will be rejected. The user receives the notice that "the comprehensive score is insufficient and the card issuance is rejected", which refers to this score.

5. Encounter a black intermediary

Try to choose a formal banking institution when applying. Many intermediaries and some roadside card offices collect money to defraud money and user information, and cannot approve cards.

You may have failed to apply for the card because of the above reasons, so I suggest you re-prepare the materials and apply again after half a year.