1. Bad credit record. The credit record shows the applicant's credit status. If there is a record of overdue repayment, it means that there is something wrong with the applicant's ability to keep the contract and it is difficult to apply for a credit card.

2. Frequent credit inquiry records. A small number of credit inquiry records have no adverse effects, but frequent inquiry records of financial institutions indicate that the applicant is short of money, and it is recommended not to apply for credit cards or loans from multiple financial institutions.

3. No job or low income. Repayment ability is the focus of bank audit, and applicants who have no job or low income are easily rejected. It is suggested to submit financial certificates such as real estate license and driving license, which can effectively improve the card issuance rate.

4. The debt is too high. Excessive debt will weaken repayment ability. Credit lines, loans and guarantees of credit cards are all personal liabilities. It is recommended to pay off or reduce personal debts before applying for a credit card.

5. Age or identity restrictions. It is difficult for minors, college students and people over 60 to get credit cards.