If your application for a credit card is rejected, there are usually several possibilities to consider:

First, the income proof or asset proof materials you provided when applying for the card are insufficient, and the bank considers that you do not have the ability to repay the credit card. The second reason is that you have been overdue or have a bad credit record;

The third reason is that you have submitted too many bank card applications at the same time, and the bank may consider you There is a possibility of malicious overdraft.

My Card recommendation: You can go to the Personal Credit Reference Center of the People's Bank of China to check your personal credit report to understand your credit situation. The specific local outlets can be checked on the website of the Personal Credit Reference Center of the People's Bank of China. If there are overdue or bad records, please deal with it as soon as possible and submit the application again after 6 months.

The approval standards for collective card application and individual card application are the same (requirements are over 18 years old, stable job income, regular payment of social security, and good credit status), but the application form is different. That’s all. Generally, it is normal for the application records to be queried within 2 weeks after submitting the application materials. During this period, preliminary approval is required, and then submitted in a unified manner. Be patient and wait. If the information is complete, the approval will usually be completed within 20-25 working days, which is almost the same. The shape of the moon.