There are many reasons for refusing to apply for a credit card, such as whether your personal credit information is good, whether there is China Guangfa Bank in your place, and so on. Since you have a fixed income, there may be three reasons.

1, with bad credit record.

Many high-income people, such as company managers, directors and even bosses, often have overdue credit cards. The biggest reason is that they usually spend a lot of money and can't remember how much they spent on their credit cards, let alone let them remember the billing date and repayment date of their credit cards. After a long time, if the overdue times are too many, it may be listed as a "suspected blacklist" by the bank, which will have an impact on applying for credit cards and loans in the future.

2. The application materials are incomplete.

Another reason why qualified customers are rejected is that the application form is not detailed enough, and the bank will refuse the application if it finds any discrepancy in the information during the verification process. Xiaorong's colleagues are sloppy every time they fill in the information. Although they have a car and a house, they never provided any proof when they applied, and it was difficult for the bank to pass without seeing the proof.

The bank didn't answer seriously in the telephone verification.

During the credit card approval process, the bank staff will call back to verify the authenticity of your personal information, which is the last important stage of successful approval. However, some people are vague when answering the questions of bank staff, and can't remember exactly how to fill in the information; For example, the boss of a company will be perfunctory or even refuse to answer the phone because of his busy work. Generally, in this case, the bank will not approve.