hello, did you apply for our credit card? The credit card application of our bank is comprehensively evaluated by the system, and there will be many reference factors, such as work, income, stability, personal credit and so on, which are not determined by unilateral factors. Perhaps the information attached to your application did not fully show your personal situation, which led to the failure of your application. In addition, the domestic personal credit record system is not perfect, and all banks pass internal evaluation when reviewing credit cards, and the setting of standards will be different. Because the credit criteria and scoring standards are confidential within the bank, the risk-related factors cannot be announced to the public, which you can understand. You can call 8-82-5555 to request re-examination. I hope you can provide us with more reference materials. If you don't want to attach any more information at present, you can reapply 6 months after the initial application.