Generally speaking, if we can rule out factors such as incorrect information, we have a bad credit record.
When you go to the bank to apply for a credit card, the bank will check your "personal credit report" first. If you have a bad record, such as the loan is not paid off, or the repayment is overdue for more than three times in a row, the bank will generally not handle it for risk reasons.
If you are good at these, you can pay attention to personal information such as home address, job position and home phone number when filling out the application form. I hope you can handle the card smoothly ~