1. The applicant's age does not match: the credit card applicant must be a China citizen who has reached the age of 18 and has full civil capacity.
2. Inconsistent income of applicants: Applicants must have a stable job and a legitimate source of income, and only when they have a job and income can they guarantee to pay off their credit card accounts.
3. The applicant's personal credit does not match: the bank will review the applicant's personal credit. If personal credit is tainted, the bank will not pass the application.
4. Unable to contact the applicant: the bank will contact the applicant several times during the audit period to verify his personal situation. If the applicant's mobile phone number or address reserved in the bank is wrong, and the bank cannot contact the applicant, the bank will not approve his credit card application.
5. The applicant's assets: If the credit card amount applied for is relatively high, the bank will ask him to provide corresponding assets certificates, such as real estate license, automobile driving license, stock securities, bank deposit certificates, payroll, etc. If the personal assets applied for do not meet the threshold conditions for applying for a credit card, the bank will not pass.