The four elements for credit card applicant qualification evaluation are subject qualification, repayment ability, stability, and debt burden. The rest are not included in the four elements for credit card applicant qualification evaluation. According to Quexin Partner Network, the four elements for credit card applicant qualification evaluation are subject qualification, repayment ability, stability, and debt burden. The four elements of credit card applicant qualification assessment are to verify the authenticity of user information, judge the user's personal situation through the four elements of the cardholder, and also prevent criminals from deceiving users on the Internet.