1, applicant's personal credit problem.

When a user applies for a credit card, the applicant bank will inquire about the applicant's personal credit information. If the user's personal credit information is tainted, the bank will refuse the user's credit card application.

2. The application materials are incomplete.

If the application materials filled in by the user when applying for a credit card are not complete enough, so that the bank cannot judge the applicant's qualification, then the user's credit card application will also be rejected.

3. Do not meet the requirements of the applicant.

If the applicant's conditions do not meet the requirements of the bank, then the user's application will also be rejected, for example, the applicant is under the age of 18 or the applicant has no stable income.

4. The information is false.

If it is found that the application materials submitted by the applicant to the bank are inconsistent with the information, then the bank will directly reject the user's application.

5. The debt ratio is too high.

If the user's debt ratio is too high, it will be listed as a dangerous customer by the bank, and the application for credit card will definitely not pass.