There are several reasons why you can't apply for a credit card. 1. Low income generally requires a certain amount of annual income to apply for a credit card. Low income will increase the risk of the bank, so it may be rejected.

2. There is no job and no formal income. If the applicant has no fixed formal income, the lender may consider the repayment ability of the applicant, unwilling to take risks, and will refuse the application.

3. The credit record is poor. If the applicant has a bad credit record, it will be regarded as a high risk of loan, and the bank is likely to reject the applicant's application.

4. Under age, under normal circumstances, people under the age of 18 or 21 cannot apply for a credit card, and the bank will not grant such people a credit card.

5. Unable to provide valid proof. In addition, if the applicant fails to provide valid proof, it will reduce the possibility of applying for a credit card, so the application may be rejected.

in addition, the performance of the applicant in the past loan process is also an important reference factor for the lender to consider.

High household debt ratio and poor income stability will cause unfavorable factors to the application.