The main reasons for failure to apply for a credit card are:

1. The card issuance conditions are not met

Many users do not carefully read the application conditions when applying for a card. Many credit cards have application conditions, such as student cards, female cards, membership cards or age restrictions. These problems will directly lead to the rejection of the card application.

2. Few application materials

Card applicants must pay attention to the authenticity and completeness of the application materials, which is an important basis for the bank to approve the card. This information is especially important when applying for a credit card for the first time.

3. Have a bad credit record

After receiving a credit card application, the bank will check the applicant's credit record through the credit reporting platform. If you have a good credit history, you are more likely to be approved for a credit card.

4. Bank scores are not up to standard

Banks use a scoring system to automatically score users. Cards can only be approved if they reach the score line set by the bank. If the score is not reached, the card will be rejected. The notice "Card issuance refused due to insufficient comprehensive score" received by the user refers to this score.

5. Encounter rogue intermediaries

When applying, try to choose a formal bank institution. Intermediaries that collect money to apply for cards and some roadside card application points are often used to defraud money and user information, and Card cannot be approved.

Extended information:

Credit cards are divided into credit cards and quasi-credit cards. A credit card means that the cardholder has a certain credit limit and can consume within the credit limit. A credit card that is repaid later; a quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the quasi-credit card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.

Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date. ?

Baidu Encyclopedia-Credit Card