1. The applicant does not meet the conditions for issuing cards.
Some applicants don't know the application conditions of this card at the time of application. In fact, many credit cards have application conditions, such as student card, female card, membership card or age limit. If you don't meet the requirements of the bank, your card application will be rejected directly.
Two, the applicant's comprehensive score did not meet the standard of issuing cards.
Now, when you apply for a card, the bank will use an automatic scoring system to score users. You can only apply for a card if you reach the score specified by the bank, and you will be rejected if you fail to reach it.
Many applicants have received the notice that "the comprehensive score is not enough to issue cards", which refers to this score. These scores come from income, work, assets, card use and so on.
Three, the application materials do not meet the requirements of the bank.
Applicants should not only pay attention to the authenticity of the application materials, but also pay attention to the integrity of the materials, which is an important basis for banks to approve cards. This information is especially important when applying for a credit card for the first time. For example, if you have a house and a car, you can submit the approval documents such as the purchase contract and vehicle driving license. If there are only simple materials such as a copy of the ID card, the probability of passing is very small.
4. The applicant's credit record is tainted.
After receiving the credit card application, the bank will check the applicant's credit record through the credit information platform. If the credit record is good, the credit card is more likely to be approved.
Choose an informal application channel.
Try to choose formal institutions, such as bank counters and official website. Many intermediaries and some roadside card outlets collect money to defraud money and user information, and cannot approve cards.