1. Short working experience

When a customer applies for a credit card, the card-issuing bank will require the applicant to have worked for more than half a year before reviewing the applicant's qualifications. If the applicant's working years do not meet the requirements, the application will be rejected, resulting in failure to apply for a credit card.

2. The applicant’s monthly income is less than 3,000 yuan

The card-issuing bank will require the applicant to provide proof of stable income and ensure a monthly income of more than 3,000 yuan, otherwise it will be rejected . Because the repayment ability of customers with a monthly salary of less than 3,000 cannot meet the requirements.

3. Bad credit record

If the applicant has left a bad record on the credit report, including overdue repayments, credit card debts, etc., applying for credit cards from all banks generally requires It cannot be passed.

In addition, in housing mortgage loans, if there is an overdue repayment, the number of times will be accumulated and this record will not be eliminated until the loan is repaid. When applying for a credit card, the bank has a contract with the customer, so the customer is bound by the contract law. Whether it is subjective failure to repay in time or objective reasons causing overdue payment, the credit card application will be rejected.