The main reasons are as follows:

1. Age. The applicant's age does not meet the requirements for applying for a credit card. The age when applying for a credit card should be over 18 years old and under 65 years old.

2. The user’s credit report is poor. If your credit is poor, overdue or the overdue amount is large, your credit card application will not be approved.

3. Insufficient personal qualifications. When applying for a credit card, banks and other institutions will review the user's repayment ability. If the bank believes that the user's repayment ability is insufficient, the application will not be approved. In addition, when applying for higher-end credit cards, correspondingly, bank requirements are relatively high, such as platinum and diamond credit cards. This type of card is launched for high-income people. If the income does not meet the requirements, it will not pass the review.

4. The debt ratio is too high. The user has loan records on multiple loan platforms, and the loan applicant's credit card debt amount is too high, the amount owed does not match the loan applicant's income, and the personal total asset-liability ratio is too high. In this case, the application is not allowed. It will pass.

5. No stable economic income. The applicant's job income is unstable, and the bank refuses the user's credit card application.

6. The information is not filled in properly. If the user fills in the information improperly, it will not pass the bank review.

How to apply for a credit card?

1. Application for business outlets. Users bring the original ID, work certificate and asset certificate copies to the bank branch where they want to apply.

2. Third-party software application. Follow the official account of the bank where you want to apply for the credit card, select the card type, and fill in your personal information as prompted. If it is your first time to apply for a credit card from this bank, you will need to go to the bank for an interview after application.

3. Apply online. Log in to the official website of the relevant bank, select the credit card you want to apply for, and apply according to the instructions.