It means that the credit card application does not require you to live or work in the city. For Ping An Credit Card, you generally need to work or live in the card-issuing city.

However, you can apply if you are not in the card-issuing city, but you must meet certain conditions:

1. If you already hold a credit card from Ping An Bank, there will be no geographical restrictions on applying for a new card. ;

2. If you are not in the card-issuing city, you can also apply for a card through life insurance, telemarketing, etc. You need to consult Ping An’s staff for details;

3. Some Co-branded cards can be applied for at specific locations. For example, the Auchan Red Bird Card can be applied for through Auchan Supermarket, and applications for RT-Mart Credit Card can be submitted at RT-Mart Supermarket locations. Extended information

The most common reasons for credit card application failure:

1. Self-employed or unstable income source

Wholesale, individual, direct sales, logistics, entertainment and catering, security As well as freelancers and other practitioners, due to unstable sources of income, banks are not sure whether they have enough ability to repay, so their card application is likely to be rejected. Individuals or small business owners whose registered capital is insufficient to apply.

2. Apply directly for high-level credit cards

Many applicants like to apply for high-level credit cards such as Platinum Card because of their high limits and good value-added services. However, the Platinum Card has higher requirements for applicants than both the Regular Card and the Gold Card. It requires applicants to have a certain financial foundation. Therefore, some applicants who apply for the Platinum Card right away are likely to be rejected directly by the bank.

3. The applicant has a bad record

The personal credit record of the credit card applicant must be good. If there is a record of overdue repayment when using the card before, even if it is only once, it will be very difficult. I can get a credit card again. If it is overdue more than once, then basically say goodbye to the credit card.

4. There is no card issuance point in the applicant’s place of residence or work

A credit card is an unsecured credit loan issued by the bank to the cardholder. There is a certain risk of default. If the cardholder does not repay the loan on time, the credit card issuing bank will make a call. If there is no bank card issuance point in the applicant's location, it will be inconvenient for the bank to call for payment. Therefore, the bank usually does not have a card issuance point in the applicant's place of residence or work. circumstances will be rejected.

5. It is easy to be rejected when applying for a credit card for the first time

There is a group of people who are more stringent when applying for a credit card, which also leads to their rejection rate being among the best, and that is first-time applicants. Shenkar people. Applying for a card for the first time means that there is no previous card use record, that is, there is no corresponding credit record. It is difficult for the bank to judge the credit status of the card applicant, so it is easy to be rejected.

6. The applicant’s unit/company found no such person

The applicant’s unit cannot confirm that the most important piece of information when applying for a credit card is the applicant’s work unit and position. Because of this Regarding whether the applicant has a continuous source of income, usually the bank will call the company phone number filled in by the applicant to check whether the company has a position for the applicant, and will also use other channels to check whether the company is a formally registered company, etc. If the applicant's unit cannot verify or proves to be untrue information, the card application may easily be rejected.

7. The signature on the application form does not match the name on the ID card

The customer information does not match the facts. The application information provided has been verified by the bank and is inconsistent with the actual situation. The card issuance may easily be refused. . Although there are some users who have fabricated some personal information and have been approved, they are in the minority after all, and once they are rejected because their personal information does not match the facts, the bank will review your information more strictly the next time you submit a credit card application. .

Ping An official website-Apply for credit card