1. The applicant has bad personal credit.
If the applicant has applied for a loan or used a credit card before, but it is overdue, it will also be affected if he applies for a credit card in the future. If the applicant is overdue seriously, he may not be able to apply for a credit card.
2. Incomplete preparation of application materials
When applying for a credit card, individuals often need to provide personal identity cards, copies of identity cards, applications, personal income certificates, credit reports and other relevant certificates. If the applicant doesn't prepare all the necessary information in the process of applying for Huaxia Credit Card, it will not be approved by Huaxia Bank. Usually, when processing a credit card, the bank will check the income of the applicant. The higher the income, the stronger the natural repayment ability. To this end, major banks will stipulate the income of applicants. If the applicant's income does not meet the standard, then the application will be rejected.
Remind everyone that if you hold credit cards from multiple banks, the risk department of Huaxia Bank may consider your repayment ability when approving. You can apply again next month. I suggest you provide more materials, such as real estate license, vehicle driving license, education certificate and other bank deposit certificates. The more you offer, the better your approval will be.