1, bad reputation: the applicant has a record of malicious overdraft or overdue payment; Have a bad record of using credit cards, such as excessive use of credit cards or excessive credit granting; There are litigation disputes or bad records of public security organs.

2. Unqualified: the applicant is engaged in industries with limited credit card issuance; The applicant's age, economic ability or other conditions do not meet the prescribed standards; The applicant's income, work and other factors are unstable and high-risk.

3. Incomplete materials: the application materials are incomplete or untrue or the materials provided are incomplete; The submitted materials do not meet the acceptance criteria, etc.

4. High-risk groups: the applicant falsifies information or provides false information; In the process of credit review, any abnormality is found (the applicant has resigned or not signed by himself) or the application is made in the name of others; Shenka people are high-risk customers and so on.

Other reasons: Generally, banks will refer to the first approval record when they receive the card application from the same person within three months.