Many young people want to apply for a credit card to facilitate daily consumption. When some people apply for a credit card, they obviously have very good credit, but they are always rejected. What is the reason? Let’s take a look.

1 Application conditions are not met

To apply for a credit card, you need to meet the basic card application conditions, such as being 18 to 60 years old and having a stable job and income. There are also some special card types with other requirements. If the application conditions are not met, the application will be directly rejected without any room for negotiation.

2 The information filled in is incomplete or incorrect

If the information is incomplete or inaccurate when applying for a credit card, the bank has the right to refuse to issue the card.

3 Personal debts are too high

When applying for a credit card, you will check your credit. If you currently have a housing loan, car loan, credit card overdraft investment, etc., if the overall debt ratio is too high, especially if it exceeds 50, will make the bank think that the applicant does not have the ability to repay the loan, and it will basically be rejected.

4 Applying for a card in another place

Applying for a credit card usually requires a card-issuing branch in the location. However, there are often cardholders who do not have a bank branch where they live or work, so they will choose a nearby city. Applying for a card may be rejected if the bank detects it, and even if you pass the preliminary review, you may not be able to pass the process of signing at a different location.