As we all know, the interest-free period of credit cards is very long, so many people use credit cards to relieve financial pressure. Different banks have different conditions for applying for credit cards. If you are rejected, you need to find out the reasons and then apply for China Construction Bank. Let’s take a look at what are the main reasons why credit cards are declined.

1. Does not meet the card issuance conditions

Many users do not carefully read the application conditions when applying for a card. Many credit cards have application conditions, such as student cards, female cards, membership cards or age restrictions. These problems will directly lead to the rejection of the card application.

2. Bank scores are not up to standard

Banks use a scoring system to automatically score users. Cards can only be approved if they reach the score line set by the bank. If the score is not reached, the card will be rejected. The notice "Card issuance refused due to insufficient comprehensive score" received by the user refers to this score.

3. Few application materials

Card applicants must pay attention to the authenticity and completeness of the application materials, which is an important basis for bank card approval. 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 and can submit a house purchase contract, vehicle driving license, etc., the probability of approval is greater; if you only have simple materials such as a copy of your ID card, the probability of approval is small.

4. Have a bad credit record

After receiving a credit card application, the bank will check the applicant's credit record through the credit reporting platform. If you have a good credit history, you are more likely to be approved for a credit card.