1. Credit record update: although there is a bad debt record, it has been paid off, or the credit record has been updated. When the bank evaluates, it thinks that the applicant's credit status has improved.

2. Credit card approval criteria: When approving credit cards, banks will comprehensively consider the applicant's credit history, income, job stability and other factors. If the applicant performs well in other aspects, the bank will approve the credit card application.