1. The applicant’s age does not meet the requirements for applying for a credit card. The age when applying for a credit card should be over 18 years old and under 65 years old.

2. If you have poor credit, are overdue or have a large overdue amount, your credit card application will not be approved.

3. Insufficient personal qualifications. When applying for a credit card, banks and other institutions will review the user's repayment ability. If the bank believes that the user's repayment ability is insufficient, the application will not be approved. In addition, when applying for higher-end credit cards, correspondingly, bank requirements are relatively high, such as platinum and diamond credit cards. This type of card is aimed at high-income people. If the income does not meet the requirements, it will not pass the review.

4. The debt ratio is too high. The user has loan records on multiple loan platforms, and the loan applicant's credit card debt amount is too high, the amount owed does not match the loan applicant's income, and the personal total asset-liability ratio is too high. In this case, the application is not allowed. It will pass.

5. No stable economic income. The applicant's job income is unstable, and the bank refuses the user's credit card application.

6. The information is not filled in properly. If the user fills in the information improperly, it will not pass the bank review.

Why do banks only collect debts but not prosecute when credit cards are overdue?

The bank will sue if the credit card is overdue, but it only collects the payment but does not sue, which means that the overdue credit card has not reached the level of prosecution. The bank will usually judge whether to sue based on the overdue time and overdue amount. On the other hand, as long as the money can be recovered, the bank does not need to litigate, and litigating also costs money.

Being sued for an overdue credit card is generally divided into civil litigation and criminal litigation. If it is a civil lawsuit, as long as you pay back the money, there will be no serious problem, but if it is a criminal lawsuit, even if you pay back the money, Yes, there is a chance of going to jail.