1, personal credit is too low. If the user has a bad record before personal credit, the bank may reject the user's application.

2. The information is incomplete. The user's information is not complete enough, which will make it difficult for the bank to evaluate the applicant's situation, so the credit card application may fail.

3. The information is false. If the applicant falsely fills in the company name, telephone number, position, income and other information. It will also lead to the failure of credit card application.

4. The conditions are not up to standard. If the user applies for a higher-level credit card when his own conditions do not allow, the application may fail.

If my credit card application fails, how long can I reapply?

Although it is not stipulated that you can't reapply immediately after a credit card application fails, the application with high probability still has the same result-failure. If the application is rejected, remember not to repeat the application continuously and not to change banks.

Because when you apply for a credit card, you will leave a query record on the credit report. If you check too many times in a short time and don't get the card, you will think that you are eager to use the money and have no repayment ability.

Therefore, after the credit card application is rejected, it is recommended to wait for 3 months before applying. In the meantime, try to improve your credit information and beautify your personal information.

How to improve the pass rate of credit card approval?

1. Deposit a sum of money in advance in the bank that is going to handle the credit card. The larger the amount, the better, preferably a time deposit.

2. At present, banks have many wealth management products. If you choose a short-term with less risk, you can ignore the income and transfer out the pending card after it is successful.

3. Prepare your own asset certificates and other materials, such as vehicles, real estate and related deposit certificates, before you apply for the card.

Other reasons for refusal:

1. Application age is not up to standard.

Usually the bank stipulates that you must be 18 years old and not over 60 years old to apply for a credit card. If your age is not within this limit, 100% of your credit card application will be rejected.

2. Job instability

If the applicant's work unit does not match the actual work unit when filling in the information, or leaves his job after filling out the credit card application form, the bank will give priority to this situation, and it will be more difficult to get a credit card.

3. Submit the application repeatedly

After the credit card application is rejected, it will take more than 3 months to apply again. If you submit a credit card application immediately after being rejected, the bank will not accept it.

4. Incomplete application materials

If the application information filled in by the applicant is incomplete or omitted, or the applicant's signature on the application does not match the actual ID card information, it will be very common for the applicant to be rejected.