The first reason is the applicant's basic information, such as under 18 years old, occupation is a restricted area for bank credit cards, information provided is not detailed, and payroll information is not detailed.

the second reason is the applicant's credit information, such as repeated application, unstable job, bad credit record and poor contact with the applicant.

the third category is other reasons, such as the contact person's ignorance or unwillingness to be a contact person, the applicant's health reasons, and the contact person's unqualified requirements.

you can analyze the possible reasons by yourself, and then make targeted amendments before applying for credit cards from other banks. Generally, it is best to apply for credit cards from the same bank repeatedly at intervals of three months or more.