Because the account has been frozen. The most effective way is to have friendly communication with the bank, otherwise the bank will not automatically unfreeze it.

1. Insufficient qualifications. Banks require that applying for a credit card requires proof of work, income, financial resources, etc., all of which are indispensable. If your income is too low or there are too few financial resources (mainly bank deposits, social insurance policies, car and real estate investment and financial management), it is generally difficult. Be approved by the bank;

2. Bad credit record. For example, if you have overdue loans or credit cards before, you will have bad credit. This record will be stored in the credit reporting system for five years. The bank will check your credit record when reviewing your card application qualifications. If you have bad credit, Generally, there is no opportunity to apply for a card;

The restriction of Industrial Bank credit card is usually caused by the following reasons:

1. Overdue repayment. If you have too many late payments and have been in arrears for too long, the bank may have reasons to restrict your credit card. If you still fail to make any repayment despite the bank's phone call, it constitutes a malicious overdraft, and the bank has the right to sue in court.

2. Cash-out risk. Maybe you have used your credit card to get cash or points, which is an illegal operation, or the bank unilaterally believes that your card is at risk of cashing out, so it will implement monitoring and either reduce your limit or restrict your credit card, that is, freeze the credit card.

3. No card swiping records. In other words, if you have applied for a credit card, but you rarely use the card to make purchases, the bank may automatically restrict your card.

The two most effective ways to apply for a large-amount credit card. One of the most effective methods: Submit a property certificate. For a large-amount credit card, the choice of bank credit card does not matter. What matters is whether your property certificate meets these requirements. bank regulations. Generally speaking, property certificates include: real estate, cars, financial products, etc. in the personal name. Taking Minsheng Bank as an example, its large-deposit credit cards are divided into: Diamond Card (starting limit is 200,000), Deluxe Platinum Card (starting is 80,000), and Standard Platinum Card (starting is 40,000).

If you provide real estate under your personal name, the required conditions are: the standard platinum card requires the real estate value to be more than 800,000, the deluxe platinum card requires more than 1.6 million, and the diamond card requires more than 3.2 million. However, the bank did not accept the vehicle title certificate. China Guangfa Bank and China Merchants Bank accept vehicle-related certificates. The second most effective way: apply for a card with a card. Applying for a card with a card is an effective way to apply for a large credit card.

Also taking Minsheng Bank as an example, applying for a card with a card does not require any additional proof of assets: the applicant is required to have a credit card that has been used for more than half a year, and the credit limit of the card is at least 40,000. The conditions are: if the original card limit is more than 40,000, you can get a standard platinum card, if the original card limit is more than 80,000, you can get a deluxe platinum card, and if the original card limit is more than 150,000, you can get a diamond card. When applying for a large credit card, according to the bank's scoring system standards, certain conditions are most applicable, such as a good credit record, a superior career, stable high income, high deposits, etc. If you can’t get a recommendation card, you can only spend money to find someone