1, the application materials are few, and the applicant must pay attention to the authenticity and completeness of the application materials, which is an important basis for the bank to approve the card. This information is especially important when applying for a credit card for the first time. For example, a house and a car can submit a purchase contract, vehicle driving license and other approvals with a higher probability. If there are only simple materials such as a copy of the ID card, the probability of passing is very small.

2. If there is a bad credit record, the bank will check the applicant's credit record through the credit information platform after receiving the credit card application. If the credit record is good, the credit card is more likely to be approved.

3. If the bank's score is not up to standard, the bank will use the scoring system to automatically score users. Only when the score is above the score specified by the bank can the card be approved, and it will be rejected if it fails to meet the standard. The notice that the user refuses to issue the card due to insufficient comprehensive score refers to this score.

4. Do not meet the conditions for issuing cards. Many users did not read the application conditions carefully when they applied for the card. Many credit cards have application conditions, such as student card, female card, membership card or age limit, which will directly lead to the rejection of card application.