Credit card application failed because:
1. The applicant's repayment ability is insufficient. The applicant's insufficient repayment ability will involve two aspects. One is the income of the applicant. If the applicant's income is too low and exceeds the bottom line of credit card issuance, the bank will not approve it. On the other hand, applicants have stable jobs and many applicants have high incomes. However, due to unstable income sources, such as self-employed, banks will be worried about the applicant's future repayment ability and may refuse to approve;
2. The applicant's credit record is not good. The applicant's credit record will also be an important reason for the failure of credit card approval. No matter how high an applicant's income is, how many jobs he has, or even how many assets he has, if the applicant's credit record is poor and there are many overdue records, then the bank will think that although the applicant has the ability to repay, there is a possibility of "default", that is, he can repay but not repay. For banks, such cardholders are not more valuable than those who have no repayment ability, so it will also lead to the invalidation of credit cards.
Extended information credit card is a credit certificate issued by a commercial bank or credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.
The preliminary examination of the credit card only shows that your information is true (you are a real person, who can bear personal civil capacity in the legal sense). The final audit is to see if there is any bad record in your personal credit record in the bank's personal credit information system. This is a common problem in all banks. If you have a credit stain record, you have no hope of getting a credit card. You can bring your ID card in advance and go to the local people's bank to check your personal credit record.
If it's good, you can get any credit card if you have a house and a car. As for what information to bring? See what kind of credit card you want to apply for. The higher the credit line, the more you have to prove your financial strength to the bank. Bring your deposit certificate (654.38+ million), real estate license and vehicle driving license (654.38+ million or more). The more, the better. If you just want to have a credit card, you don't care about the amount. Bring your ID card, university diploma, business card and company income certificate to apply for the card.
References:
Baidu encyclopedia-credit card