1. Baihu has no credit history. Every bank will check the applicant's credit card report when examining the credit card application. Because Baihu has no credit record, banks can't judge the credit status and repayment ability of users.
2. Insufficient experience in handling cards. If the applicant is a white household, you can only apply for an ordinary card by providing ordinary application materials. If he applies for a gold card directly, he can only be rejected by the bank.
3. The application materials are not fully prepared. To apply for a credit card, the applicant also needs to provide authentic and weighty proof of repayment ability, such as salary flow, work certificate, labor contract, deposit certificate, etc.