1, which does not meet the conditions of joint card.
Although 18 ~60 years old can apply for a credit card, different card types and different card grades have different conditions for applicants.
For example, high-end cards, in addition to meeting the basic conditions, also have requirements for the applicant's financial resources and assets; The youth card has a limit on the age of the applicant, so you must read the application conditions carefully before you apply for the card. You can directly call the credit card service hotline of the bank you want to apply for and consult customer service.
2. The repayment ability is weak.
Credit card applications must be repaid on time, which requires the applicant to have certain repayment ability. Generally speaking, it can be judged from the nature of the applicant's work, income and other aspects that his repayment ability is weak.
Therefore, if the nature of work is unstable and the income is low, the bank will think that it does not have the repayment ability and will directly refuse the card.
3. Bad credit
1) refers to credit products borrowed from Shanghai Credit Bureau, such as credit cards and loans, which failed to repay on time, resulting in overdue and bad credit. When the bank sees that it is overdue, it will definitely not dare to approve the card. After all, it also means that the applicant is unable to repay, or has no willingness to repay.
2) refers to the frequent application for credit cards and loans in a short period of time, resulting in too many hard inquiries and difficulties in collecting credit information. The bank thinks that the applicant must be in financial crisis, and it is urgent to get cash with the help of external forces, which will lead to overdue risk.