Because credit cards have the function of overdraft, that is to say, you can shop by credit card without money, so not everyone can apply for credit cards, and banks only issue credit cards to people they think are honest. Compare and see if you meet the requirements for issuing credit cards by banks:

1, aged between 18 and 65;

2. Have a stable occupation and income;

3. Have good credit and the ability to repay the principal and interest on time;

4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and people with a certain degree of mental illness are not allowed).

If you haven't met the requirements for applying for an ordinary credit card, you can apply for a supplementary card through your parents and spouse. To apply for a supplementary card, you must meet the following conditions:

1, a natural person with complete or limited capacity for civil conduct.

2. At least 13 years old.

3./kloc-Applicants for supplementary cards under the age of 0/6 should provide a copy of the household registration book when applying.

In addition: Not everyone can apply for some cards, and there are some special requirements for cardholders. For example, the magic credit card of CITIC Bank can only be applied by women.