There are many factors that banks need to examine when applying for a credit card, not just one aspect of bank deposits, so the success of applying for a credit card can not only be seen in this aspect. Since you are a gold card customer of China Merchants Bank, you can contact the account manager of your bank outlet to ask about the specific situation and ask him to recommend a credit card to see if it can be successful.

Usually, credit card applications will be rejected for the following possible reasons:

1. The income certificate or asset certificate provided when handling the card is insufficient, and the bank thinks that you are not able to repay, so it will not be approved;

2. There are overdue or bad credit records before, and personal credit is not up to standard;

3. At the same time, there are too many bank card applications submitted, and the bank may consider that there may be malicious overdraft;

4. The personal data is wrong, and the bank can't verify the applicant's information.