There are many factors that affect the approval of credit cards (debit cards). Common ones are:

1, fill in credit card (debit card) information indiscriminately: for example, the information is incomplete and false, and the filled mobile phone number can't get through;

2. Personal debt is too high: if the bank finds that there are multiple credit cards (debit cards) or multiple loans in the applicant's name when checking the credit information, it will affect the approval result;

3. There are overdue records in the credit investigation: for example, if the card is accumulated three times in two years, or the application for a credit card (debit card) is overdue, the bank will think that the card holder has no repayment ability, so the card will not be approved.