1. Age: 18~65 years old, with full capacity for civil conduct;
2. Credit conditions: good credit and no bad credit record;
3. Income conditions: there is a stable source of income, which can guarantee timely repayment every month;
If age, credit or income do not meet the demand, it is easy to cause credit card application failure. In addition, the following reasons will also lead to the failure of credit card application:
1. Missing application materials: the authenticity and integrity of the application materials are an important basis for the bank to approve the card. This information is especially important when applying for a credit card for the first time. For example, if you have a house and a car, you can submit the approval documents such as the purchase contract and vehicle driving license. If there are only simple materials such as a copy of the ID card, the probability of passing is very small.
2. Irregular application channels: There are basically three ways to apply for a credit card: go to a bank outlet, log in to the bank in official website to submit an application, and contact a salesman to handle it. Many intermediaries and some roadside card offices collect money to defraud money and user information, and cannot approve cards.
If you still have questions about credit cards, you can log on to "My Love Card" in official website.
Warm reminder; The first time you apply for a credit card, you have to wait at least 3 months before you can continue to apply in the same bank.