The reasons are as follows:

(1) Audit obstruction: relatively simple, caused by some small problems. For example, when the audit department called the work unit’s landline for a return visit, no one answered, or the answerer Uncooperative. But don’t worry too much about this problem, customer service will call you here.

(2) The information is untrue: The information here refers to the information when filling in the application materials. Some friends apply for cards very frequently. Moreover, there will be differences in the information every time. Authenticity is a major criterion for credit card inspection. If the information filled in is found to be untrue, the card issuer will not issue the card.

(3) Hard conditions are not met: such as applying for a card in a different place, age, or having resigned and retired, etc. However, generally this group of people’s demand for credit cards is not that high.

(4) Failure to meet the standards: Each bank will have certain standard restrictions for cardholders. If the applicant does not meet the requirements, the bank will not issue the card. Therefore, it is safest to ask about the conditions before applying for a card. Your credit report will be reported every time you apply for a card. Failure to apply for a card multiple times is basically a waste of credit. It is recommended not to apply more than three times a month.

(5) Wrong card selection: The choice of credit card will also affect whether the cardholder's application can be approved. For example, if you have just graduated and want to apply for a platinum card, the possibility of your card application being rejected is very high. Cardholders who often travel on business can choose a business travel card, and those who often play games can choose a game co-branded card, both of which are beneficial to the success of the application.

(6) Credit report: Credit report is the main reference for issuing banks to determine whether to issue a card, and it is also a major reason. There is a difference between a good credit report and a black credit report. The more inquiries there are on the credit report, the more records there will be. A credit report with multiple inquiry records is called a "flower credit report".

Extended information:

Mr. Meng, a citizen of Wuzhou, accidentally found a website on the Internet that can apply for a credit card, so he wanted to apply for a credit card online and then overdraft. In the end, Mr. Meng not only failed to activate his credit card, but was also defrauded of 900 yuan.

The police remind the public that online credit card application is a common method of online fraud. Banks have strict credit card review procedures for applicants. Applicants must go through relevant procedures through bank staff when applying for a credit card. Do not believe false information about online credit card agencies.

ifeng.com - 6 of the most common mistakes when applying for a credit card! If you make one mistake, you will be rejected immediately

People's Daily Online - apply for a credit card online? I'll cheat you out of 900, no negotiation