The reasons for not being able to enter the system are mostly unqualified personal credit records and insufficient card handling conditions.

The reasons for bad credit investigation are: improper use of credit cards, bad records caused by fraudulent use of ID cards, bad records caused by failure to repay the principal and interest of loans in time, and bad records caused by insufficient repayment due to interest rate hikes.

In addition, the conditions for applying for a credit card are: age 18-60 years old, stable job and income, and the necessary application documents are identity certificate and copy of work certificate.

Proof of financial resources: it can be a payroll record issued by a bank, an income tax withholding certificate, or a market value certificate of a house, a car, a deposit and an investment (such as a copy of the property ownership certificate/car driving license/bank time deposit certificate) and other materials that can prove the financial level. Other documents for reference include: personal account list of social insurance in the last 6 months, water, electricity and gas bills, credit card bills of other banks, etc.