The reason why retirees may encounter difficulties in handling credit cards is mainly due to the problems brought by the credit evaluation mechanism. Credit card processing is not particularly difficult for people with good credit, but for retired people who lack income sources or have low income at present, the results of credit evaluation usually will not let them pass.

Credit card issuers usually consider the applicant's income source, family assets, personal credit records and other factors when conducting credit evaluation. For retired people, they are usually unable to provide a stable source of income, and their income is usually very limited because of the retirement age. This makes it difficult for them to get enough points in the credit evaluation and to pass the credit approval process.

In addition, retired people usually don't have much consumer demand, which means that they usually don't use credit cards often. For credit card issuers, stable income returns are needed, and the user value of retired elderly people is relatively low. Therefore, in the highly competitive credit card market, card issuers generally do not particularly favor retirees.

Finally, remind everyone that no matter what age you are, you should keep a good credit record. If you are not a person who knows your credit situation very well, you can use big data websites to make inquiries, such as the "Zhicha" website, where you can inquire about your online loan big data information. This database cooperates with more than 2,000 online lending platforms, and the queried data is very accurate.