/kloc-people under 0/8 to over 60 years old are very common, and they can't get a credit card if they don't reach the limit of bank card approval.
Suggestion: You can use the secondary card of the parent's primary card, and the secondary card does not need to repay by itself.
2. Economic income does not meet the conditions for issuing cards.
This is a common reason for being refused a visa. If the cardholder's income is unstable or no income, and he can't prove his repayment ability, the bank will not approve the card. Some people who meet the age conditions but have no financial resources, such as college students, are also unable to apply for credit cards. Even if they do, they will have unlimited credit cards.
Suggestion: If you don't have a job, you can find a stable job, deposit your income in the issuing bank you want to apply for, and apply for a credit card after 6 months.
3. Have a bad credit record.
This situation also makes it easy for banks to refuse to approve cards. However, different banks have different policies. If the cardholder's bad credit record is not so serious (overdue for too long), some banks may relax this restriction.
Suggestion: If the repayment is overdue, please check the personal credit report (China People's Credit Information Center) first. If it is overdue and the arrears are paid off, you can continue to use the credit card and brush off the bad credit record. The bank will check the applicant's credit record and only examine the repayment situation of the applicant in the past 24 months.
4. The assets are not entrusted to the applicant bank for custody or management.
For example, the applicant has multiple properties, multiple cars and a large amount of deposits, but the deposits are not in the application bank, and he has not purchased wealth management products in the application bank, which will also be rejected by the application bank.
The application for a credit card was rejected, not only because of credit problems, but also for other reasons, as mentioned above.