The credit card application is comprehensively evaluated by the system. The bank's credit card review includes many aspects, and there are many reference factors, such as age, job stability, income, personal credit and so on, which are not determined by unilateral factors. Everyone's situation will be different, and it is difficult to compare with each other. In addition, if the auditors are different, the conditions are exactly the same, and the amount may be different.

according to what you said, if your income or assets are better than those of other colleagues, you may have a bad record before. I suggest you check your credit information at the credit information center.

Conditions for handling a credit card:

1. The age must be between 18 and 6 years old;

2. Identification: generally, it is an ID card (if you use a new ID card, you need a copy of the front and back), and soldiers need to provide a copy of their military ID card;

3. Work certificate: it can be the original work certificate issued by the employer (please specify the specific company name, department, position and income, and affix the official seal or personnel seal of the company), or a copy of the work permit verified by the promoter and marked;

4. proof of financial resources: it can be the payroll record issued by the bank, or the income tax withholding certificate, or the documents proving the market value of the house, car, deposit and investment (such as the copy of the real estate license/car driving license/bank time deposit certificate) and other materials that can prove your financial level. Other documents for reference include: personal account list of social insurance in recent 6 months, water and gas bills, credit card bills of other banks, etc.