Nowadays, credit cards play a very important role in everyone’s lives, especially for moonlight users, they are like saviors. However, not everyone can successfully apply for a credit card, because there are many restrictions on credit card application. If the card application conditions are not met, the card application will be rejected. So, what are the restrictions on applying for a credit card? These conditions need to be met!

1. Age limit. Most banks limit the age limit for card application to between 18 and 60 years old, but some credit cards have special restrictions, such as youth cards. Only users under the age of 30 can successfully apply for this type of credit card. If the age requirement is not met, the user's card may also be rejected.

2. Gender restrictions. Many credit card application platforms have launched women-only credit cards. Only women can apply for the card, but men cannot. Therefore, if a man applies for a female-only credit card, his application may also be rejected. At this time, users need to understand the attributes of the credit card in advance, so as to avoid card rejection.

3. Occupational restrictions. To apply for a credit card, you must have work income, but banks also have occupation requirements. Generally, you need a stable occupation, not a high-risk occupation. If you are an insurance salesperson, mobile vendor, etc., it is very difficult to apply for a card because the job stability is not strong. If this type of user wants to successfully apply for a card, it is best to change their job and find a job that is more stable and has a higher income.

4. Income restrictions. Most banks will require users to have an income that cannot be lower than the local average income level, which is basically above 3,000 yuan. Some banks will also stipulate that it must be after-tax income, while some banks are not so strict. Therefore, if you want to successfully apply for a card, it is best to consult the bank before applying for the card.

5. Credit restrictions. The first is the total credit limit. The total credit limit before applying for a card cannot be too high, otherwise the repayment ability will be questioned and the card will be rejected. The other is the credit institution. Generally, if you have credit cards from 5 banks, if you apply for credit cards from other banks, your card will be rejected.

So, applying for a credit card is not as easy as everyone thinks. Some restrictions must be met in order to have the possibility of successfully applying for a credit card. Moreover, everyone has a credit limit limit, and the credit limit under the user's name cannot exceed the total credit limit, otherwise the card will be rejected.