1. The application materials filled in online are not complete enough to fully reflect your consumption and repayment ability, so the bank rejected your application;
2. Having an overdue or bad credit record, the bank refuses after checking the personal credit report;
3. too many bank card applications have been submitted at the same time in a short period of time, and the bank may consider that there may be malicious overdraft.
I suggest you go to the Personal Credit Information Center of the People's Bank of China to inquire about your personal credit report and find out your credit situation. If there are overdue or bad records, deal with them as soon as possible, and then submit your application after 3 months. In addition, if you are applying for a credit card for the first time, because there may be few records in the bank, it is recommended that you submit the application materials directly to the bank's business outlets, and you can provide more financial proof when applying, including the bank's payroll records or income tax withholding vouchers.