The credit card application of Guangfa Bank is comprehensively evaluated by the system, and there are many reference factors, such as work, income, stability and personal credit, which are not determined by unilateral factors. Maybe the information attached to your application does not fully show your personal situation, which leads to your application failure. In addition, the domestic personal credit information system is not perfect, and all banks will pass the internal evaluation when reviewing credit cards, and the standard setting will be different. Because the credit standards and scoring standards are confidential within the bank, the factors involving risks cannot be announced to the public. You can call the bank's customer service phone to ask for re-inspection. I hope you can provide more reference materials for the bank. If you don't want to attach more information at present, you can reapply three months after your initial application.