The overall score is low. First of all, the repayment ability is not enough, and the work may be relatively stable. However, the total liabilities are too large, exceeding the bottom line of the bank's debt ratio, and the repayment ability is not optimistic, and there is a risk of overdue at any time. Then there are those with poor credit, such as three tired and six black households, or applying for credit cards many times or getting too many loans.

2. Wrong credit card level.

Credit rating also has an impact on approval. Bank credit cards can be roughly divided into ordinary credit cards and high-end credit cards. Among them, high-end credit cards pay more attention to the applicant's assets and economic strength. If the qualifications for applying for a credit card are the same as now, then high-end credit cards will be rejected because of insufficient qualifications.

4. Too many credit cards:

Every bank has an upper limit on the number of cards it can handle, and it is not allowed to exceed the limit. After this limit is exceeded, it is necessary to cancel the retry application, and whether it is subject to the system approval result.