Although the bank does not explicitly state in the credit card application that some areas cannot apply for a card, the bank will directly reject the application information without bank outlets in this area when approving the credit card.

2. There are too many credit cards.

If you have too many credit cards, the bank will consider whether the overall credit limit of the credit card it holds now is able to repay the new credit card relative to its income. For example, although the applicant earns more than 10,000 yuan a month, he already has three or four credit cards with tens of thousands of yuan, then the bank will think that the applicant's comprehensive credit ability has exceeded, and there will be a risk that he will not be able to repay the card again, because such an applicant will also fail to approve.

You don't have enough repayment ability yourself.

Insufficient repayment ability will involve two aspects. On the one hand, the applicant's job is stable, and many applicants have high incomes. However, due to the unstable sources of income, such as self-employed, banks will worry about the applicant's future repayment ability and may refuse to sign.

On the other hand, the income of the applicant. If the applicant's income is too low and exceeds the bottom line of credit card issuance, then the bank will not approve it.