Due to the increasing bad debt rate of bank credit cards, major banks have tightened the handling of credit card business. At present, credit cards are only approved for those who have driver's licenses, mortgage contracts or other bank credit cards and have formal and stable jobs. If you are a white household, that is, there is no blank credit record, and you have been applying for a credit card, that is, there are many inquiry records, the bank will wonder if you are short of money and have insufficient repayment ability. It is recommended not to apply for any bank credit card within six months. After half a year, it is necessary to apply for a low-threshold joint credit card, such as the red X card that XX Bank cooperates with a supermarket, and gradually accumulate credit. I wish you success!