When approving, the bank will refer to the nature of your work (private, state-owned enterprises, high-risk industries, such as KTV, etc. ), social security, provident fund, individual tax, personal assets (real estate, automobile production, CCB time deposit certificate, etc. ), credit (whether overdue, whether holding multiple bank credit cards at the same time, debt ratio, etc. ), education, etc., so no matter which channel you apply for, you can apply again.