1. You can apply for a credit card without a bank debit card. As long as you have a stable job and income, good credit status and meet the conditions for banks to handle credit cards, you can apply for credit cards.

2. Reasons for unsuccessful credit card application: The applicant has a bad credit record. After receiving the credit card application, the bank will check the applicant's credit record through the credit information platform. If the credit record is good, the credit card is more likely to be approved.

3. Do not meet the conditions for issuing cards. Many users did not read the application conditions carefully when they applied for the card. Many credit cards have application conditions, such as student card, female card, membership card or age limit, which will directly lead to the rejection of card application.

4. The application materials are few, and the applicant must pay attention to the authenticity and integrity of the application materials, which is an important basis for the bank to approve the card. It is particularly important to provide sufficient information when applying for a credit card for the first time. For example, if you have a house and a car, you can submit a purchase contract and a vehicle driving license. And the probability of approval is greater; If there are only simple materials such as a copy of the ID card, the probability of passing is very small.

5. If the bank's score is not up to standard, the bank will use the scoring system to automatically score users. Only when the score is above the score specified by the bank can the card be approved, and it will be rejected if it fails to meet the standard. The user receives the notice that "the comprehensive score is insufficient and the card issuance is rejected", which refers to this score.