because there are certain risks in handling credit card business, banks will be strict in reviewing the information of credit card applicants. It may be that your comprehensive quality score is not up to standard, which leads to the failure of the review. In addition, if you have applied for the credit card of China Everbright Bank within 3 months but failed to apply for it, you can't apply for the credit card of China Everbright Bank in the near future.

In general, the reasons why the application for the credit card of China Everbright Bank is not successful are as follows:

1. The application channel is not formal:

The application should try to choose a formal bank institution, and many intermediary agencies and some roadside card application points collect money to defraud money and user information and cannot approve the card.

2. Having a bad credit record

After receiving a credit card application, the bank will check the applicant's credit record through the credit information platform. If the credit record is good, the credit card is more likely to be approved.

3. Less application materials

Card applicants must pay attention to the authenticity and integrity of the application materials, which is an important basis for banks to approve cards. For example, there is a greater probability that a house and a car can submit a purchase contract, a vehicle driving license and other approvals; If there are only simple materials such as a copy of the ID card, the probability of approval is small.

I suggest you first look at the problem according to your actual situation, and avoid similar mistakes if you need to apply for a card next time.

tip: if you apply for a credit card in the same bank, you can only apply again if you fail to pass the examination for the first time for at least three months!