Failure to pass the examination means that the credit card you applied for cannot be issued. If it is the first time to apply for the Bank of Beijing credit card, you must provide sufficient proof materials, such as identity certificate, income certificate, financial certificate, etc., which is an important basis for bank audit. 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. If you provide too little proof, it will be difficult to apply for a credit card.

In addition, if you have bad credit, there will be obstacles in handling credit cards. 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. If there is a bad credit record, the probability of passing the audit is basically zero.