The reasons why the credit card application failed are as follows:

1. The applicant's repayment ability is insufficient. The applicant's insufficient repayment ability will involve two aspects. One is the income level of the applicant. If the applicant's income is too low and exceeds the bottom line of credit card issuance, the bank will refuse to approve it. On the other hand, the applicant's job is stable, and many applicants have high incomes. However, due to unstable income sources, such as self-employed, banks will worry about the applicant's future repayment ability, and may also 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 to approve the credit card. No matter how high the applicant's income is, how many jobs there are, or even high assets, if the applicant's credit record is not good and there are many overdue records, then the bank will think that although the applicant has the ability to repay, there is the possibility of "being lazy", that is, he can repay but does not repay. For the bank, this kind of card is used.

3. The applicant has no local card-issuing bank outlets. Although the bank did not explicitly state that the applicant in some areas cannot apply for a card when applying for a credit card, the bank will directly reject the application information without a bank outlet in this area when approving the credit card.

4. There are too many credit cards. If the applicant holds too many credit cards, the bank will judge whether the overall credit limit of the credit card he holds now is compared with his income, and whether he has the ability to repay the new credit card.