1, the condition is not met.

Credit card applications have certain requirements, such as age requirements and income requirements. If the applicant does not meet the requirements for handling a credit card, the application for a credit card will be rejected.

2. Poor credit report.

The credit card itself is based on credit information. If the applicant has a bad record, such as overdue credit information, and has not recovered a good credit information, then the application for a credit card will only be rejected.

Generally speaking, the application for a credit card is rejected in seconds, which is mainly caused by the above reasons. In addition, the high personal debt of the applicant will also affect the credit card application, but if the debt is not particularly high, it will not lead to the rejection of the credit card application.

Application and use of online credit card:

1. WeChat official account. People who pay attention to CITIC Bank's credit card in Alipay wallet can apply online and get this online credit card through the "Express Card" entrance in WeChat official account. After the application is approved, the system will send the corresponding credit card number to the user. Users can bind the card number with Alipay account and open fast payment, so they can make online shopping, mobile payment and other consumption. After users apply for credit cards online, they can also apply for corresponding physical credit cards online.

2. CITIC Bank will decide whether to approve the entity card application according to the user's personal credit information. If the user meets the requirements for applying for a physical card, CITIC will deliver the physical credit card to the user by express delivery. This physical credit card, like other physical credit cards, can be swiped online in the store. The interest-free period of Alipay online credit card is 50 days, and the credit line starts from 200 yuan. In the official account of CITIC Bank credit card WeChat in Alipay wallet, users can also check the consumption limit and points of online credit cards at any time and make online repayment.

3. Alipay's first credit card issuance scale is 654.38+00,000. In terms of credit limit, the credit limit of Alipay online credit card started in 200 yuan, and the upper limit is determined according to personal online credit, generally up to 5,000. If the consumption record and credit record are particularly good, the credit limit can be gradually increased. Alipay said that the specific amount of approval is determined by online consumption records. For example, if you pay back your credit card through Alipay, the higher the frequency of using Alipay, the more credit data you have, and the easier it is to get a credit line.