If the application fails to pass the pre-review, the application will be rejected. Several situations may be considered when the application is rejected:

1. The income proof or asset proof materials you provided when applying for the card are insufficient, and the bank considers that you do not have the ability to repay the loan and therefore refuses the approval;

2. You have had overdue or bad credit records before;

3. You have submitted too many bank card applications at the same time, and the bank considers that you may have a malicious overdraft;

4. The bank has no local branches and does not issue cards in your area.

Suggestion: You can go to the Personal Credit Reference Center of the People's Bank of China to check your personal credit report to understand your credit situation. The specific local outlets can be checked on the website of the Personal Credit Reference Center of the People's Bank of China. If there are overdue or bad records, please deal with it as soon as possible and submit the application again after 6 months.

Generally, after your application for a credit card is rejected, whether you apply again at the same bank or another bank, the next submission must be made three months later.