1. Poor credit rating: the bank will evaluate the applicant's credit status when approving the credit card application. If the applicant's credit rating is low, the credit record is bad or there are unfavorable factors such as arrears, the application may be rejected.

2. Unbalanced income and expenditure: The bank will evaluate the repayment ability of the applicant according to his income and expenditure. If the applicant's income cannot support the repayment of the credit card bill, the bank may refuse the application.

3. Incomplete or incorrect materials: If the application materials submitted by the applicant are incomplete, incorrect or contain false information, the bank may reject its application.

4. Frequent application: If the applicant applies for a credit card many times in a short period of time, or frequently applies for a credit card in another bank, the bank may think that his credit is bad and refuse to apply.

Can I withdraw cash from my credit card?

1. The handling fee for cash withdrawal is relatively high: a certain handling fee is required for cash withdrawal by credit card, which is generally between 1% and 4% of the cash withdrawal amount. In addition, if you choose inter-bank cash withdrawal, you need to pay an extra inter-bank handling fee.

2. Higher interest: Unlike bank cards, credit cards do not generate interest immediately after cash withdrawal, and generally begin to calculate interest after the due repayment date. However, the interest rate of cash withdrawal by credit card is high, usually between 1.5%-3% per month, so it is not recommended to use credit card to withdraw cash frequently.

3. There is a cash withdrawal limit: every credit card has a cash withdrawal limit, which is generally a part of the credit card limit, usually below 6,543,800 yuan.