1, overdue record:

When you apply for a card, the bank will look at your overdue situation. If it shows that there has been overdue repayment in the last five years, then the audit will not pass.

2. Credit history:

The bank will check the applicant's personal credit record, and if there is a bad record, it may be rejected.

3. Loan records:

The bank will check the loan information and repayment records of the applicant in the past two years.