If the comprehensive score is not up to standard and the credit card application is rejected, you can go to the Personal Credit Information Center of the People's Bank of China to check your credit status. Specific local outlets can be found on the website of Personal Credit Information Center of China People's Bank. If there are overdue or bad records, please deal with them as soon as possible and submit the application after 6 months.

If the comprehensive score is not up to standard, refuse to apply for a credit card. Usually, there are several situations:

First, the income certificate or asset certificate provided by you when you apply for the card is insufficient, and the bank will not approve it on the grounds that you do not have the repayment ability;

Second, you have an overdue or bad credit record before;

Third, you have submitted too many bank card applications at the same time, and the bank considers that you may have the possibility of malicious overdraft.