After receiving the application form, the credit card department of the bank will comprehensively score the applicant's information, with special scoring criteria, including age, gender, unit, income, position, housing, education, marriage, real estate, professional title, credit record and other items. A score segment corresponds to a result, from not approving cards to approving cards, from low to high.

The common reasons for refusing to issue cards are: the repayment ability is not stable enough; Non-target customers of the Bank's credit card business; Personal credit has a bad record; There are too many credit cards and the comprehensive credit line is too high; There are no local outlets and so on.

The auditing standards of banks are also different. The same information, different banks may have different results, and luck is not excluded.

Generally speaking, there are probably: the personal credit report has a bad credit record, the information filled in at the time of application is asymmetric, and the over-indebted bank considers the repayment ability and repeats the application many times at the same time. If individuals don't check credit records, they can go to the central bank or online (at present, only 9 provinces and cities can check credit reports to see if there are overdue records. Whether there is information asymmetry when filling in your own information, if there is none of the above, the application strictness of each bank is generally different, and the approval of state-owned banks is generally stricter. Try to provide economic proof when applying, and apply again after half a year!

In short, once you have credit card arrears, you must have a reasonable repayment plan to avoid excessive debt!