/kloc-people under 0/8 to over 60 years old are very common, and they can't get a credit card if they don't reach the limit of bank card approval.

Suggestion: You can use the secondary card of the parent's primary card, and the secondary card does not need to repay by itself.

2. Economic income does not meet the conditions for issuing cards.

This is a common reason for being refused a visa. If the cardholder's income is unstable or no income, and he can't prove his repayment ability, the bank will not approve the card. Some people who meet the age conditions but have no financial resources, such as college students, are also unable to apply for credit cards. Even if they do, they will have unlimited credit cards.

Suggestion: If you don't have a job, you can find a stable job, deposit your income in the issuing bank you want to apply for, and apply for a credit card after 6 months.

3. Have a bad credit record.

This situation also makes it easy for banks to refuse to approve cards. However, different banks have different policies. If the cardholder's bad credit record is not so serious (overdue for too long), some banks may relax this restriction.

Suggestion: If the repayment is overdue, please check the personal credit report (China People's Credit Information Center) first. If it is overdue and the arrears are paid off, you can continue to use the credit card and brush off the bad credit record. The bank will check the applicant's credit record and only examine the repayment situation of the applicant in the past 24 months.

4. Cancel the qualification of 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.

5. Less application materials

Applicants must pay attention to the authenticity and integrity of the application materials, which is an important basis for banks to approve cards. This information is especially important when applying for a credit card for the first time.

For example, if you have a house and a car, you can submit the approval documents such as the purchase contract and vehicle driving license. If there are only simple materials such as a copy of the ID card, the probability of passing is very small.

6. The bank score is not up to standard

Banks use a scoring system to automatically score users. Only when the score specified by the bank is reached can the card be approved. If it is not reached, the card will be rejected. The user receives the notice that "the comprehensive score is insufficient and the card issuance is rejected", which refers to this score.

7. Encounter a black intermediary

Try to choose a formal banking institution when applying. Many intermediaries and some roadside card offices collect money to defraud money and user information, and cannot approve cards.

These may be the reasons why your application failed. Do you think you have any bad information records before, or did you write less application materials?

Because you didn't make it clear, I outlined several factors that may lead to your unsuccessful card application, as well as suggestions, which you can correct by yourself.