Please first confirm whether there is a Shanghai Pudong Development Bank branch in your location. If not, your credit card application will also be rejected.

The main reasons for unsuccessful credit card application are as follows:

There are problems with personal credit reporting

As long as it involves loans, credit cards and other related matters, it is definitely It will be related to personal credit report. If the personal credit report is not good, or even the applicant has been overdue many times or has been on the bank's blacklist, generally speaking, he will not be able to apply for a bank credit card.

The application qualifications are not met

In addition to the requirements for personal income, credit, etc., there are also considerable requirements for age, working years, nationality, nature of work, and other personal financial resources. If any of these relevant requirements do not meet the bank's requirements, the application may be rejected by the bank.

Risk groups

Some people are risk groups defined by banks, such as those who forged other people’s information to apply for loans, those who found abnormalities during the information verification process, and those who did not exist as applicants, etc. During the application process for risk groups, the bank cannot apply for the credit card of the applicant.

Income requirements are not met

When applying for personal information, the bank mainly considers the individual's future repayment ability. Among these, personal income will inevitably be within the bank's consideration. Each bank generally has regulations that require you to apply for a credit card from that bank, and there is a basic minimum income requirement. If the personal income does not meet this requirement, it cannot be approved by the bank.

Incomplete information preparation

In the process of applying for a credit card, individuals are often required to provide personal ID cards, copies of ID cards, application forms, personal income certificates, credit reports and other related Proof etc. If the required information is not fully prepared during the application process, the credit card will not be obtained through the bank.