Because credit cards have the function of overdraft, that is to say, you can shop by credit card without money, so not everyone can apply for credit cards, and banks only issue credit cards to people they think are honest. Compare and see if you meet the requirements for issuing credit cards by banks: 1, and your age is between 18-65; 2. Have a stable occupation and income; 3. Have good credit and the ability to repay the principal and interest on time; 4. Natural persons with full capacity for civil conduct (robots, vegetarians, minors and people with a certain degree of mental illness are not allowed). If you haven't met the requirements for applying for an ordinary credit card, you can apply for a supplementary card through your parents and spouse. To apply for a supplementary card, the following conditions must be met: 1, a natural person with complete or limited capacity for civil conduct 2, 13 years old or above 16 years old, and a copy of the household registration book must be provided when applying. In addition: Not everyone can apply for some cards, and there are some special requirements for cardholders. For example, the magic credit card of CITIC Bank can only be applied by women.

Teach you two tips for successfully applying for a credit card. In the first few years of credit card promotion, in order to seize the limited credit card market, banks expanded regardless of cost-effectiveness. Although it has promoted the great development of the whole credit card business, it has also resulted in a variety of credit card holders, and many "sleep card" and "Lao Lai Cards" have appeared, which has laid a hidden danger for the bank's bad debts. Nowadays, with the strengthening of risk awareness and risk control of banks, the approval of credit cards is becoming more and more strict, especially for those who apply for credit cards or high-limit cards for the first time, many people have received a reply from banks that they refuse to sign, so how can they ensure that their applications can be successfully approved? First of all, we must fully prepare all kinds of asset certificates. Generally speaking, if you already have one or more credit cards and have a good repayment record, you generally don't need to provide proof of income or assets. You just need to copy your existing credit cards and send them together with the application form (even if the credit card you have is not the one you applied for, because all banks can check your credit status through the personal credit information system of the central bank, and good consumer credit and repayment credit are the most important for banks). If you apply for a credit card for the first time, because you don't have a consumer credit record, the bank mainly depends on your income and assets, and decides whether to apply for a card for you and the size of the credit line. Generally speaking, the first time you apply for a credit card, the amount will not be too high, unless you can provide sufficient proof of assets, such as income, house ownership certificate, mortgage purchase certificate, car ownership certificate, bank deposit certificate or securities certificate. Of course, in addition to the asset certificate, other certificates that can prove your personal ability will also help you obtain high-level credit cards, such as academic certificates, technical level certificates and other qualification certificates. Secondly, fill in the application form carefully. Generally speaking, the following aspects on the application form will affect the bank's credit evaluation score (the higher the credit score, the higher the probability of obtaining credit card approval and the higher the amount): 1. Whether there is a fixed telephone in this city (having a fixed telephone in this city means that your residence is stable and will increase the bank's credit evaluation score for you); 2. Whether or not to get married (the score of married is higher than that of unmarried); 3. Whether it is a local account (the score of local account is higher than that of foreign account); 4. Whether there is a house (having a house is higher than not having a house, and living by yourself is higher than living with parents); 5. Education (the higher the education, the higher the score); 6. The nature of the work unit (the more stable the work unit, the higher the popularity and the higher the score. For example, institutions, large state-owned enterprises, and Fortune 500 enterprises all scored relatively high, while unknown private enterprises and foreign enterprises scored relatively low); 7. Job Description (The higher the position, the higher the score. For example, civil servants and company managers score higher than ordinary employees)