1, the cardholder's own reasons: First of all, there is no overdue, which does not mean that the credit is good. After all, like white households, they are white households and flower households, and they may not be able to apply for credit cards. If there is no problem with credit, you have to pass the level of repayment ability, not only have a stable income, but also have a reasonable debt. For borrowers whose debt ratio exceeds 50% or even 70%, such borrowers are often considered to have insufficient repayment ability and high default risk.

2. Reasons for running a card bank: First, different banks have different thresholds. The four major state-owned banks are more difficult to apply than commercial banks. If you can apply for a card in a commercial bank, the four major state-owned banks are likely to be rejected; Secondly, the same bank should be aware that the four major banks of state-owned banks value the applicant's economic strength and even his status. In addition, some banks will have a limit on the number of cards they can handle.

In short, you can't apply for a credit card without overdue. You can compare the two reasons mentioned above according to your own situation, see what is wrong and improve as soon as possible. Finally, I would like to remind you that failing to apply for a credit card will leave an inquiry record of loan approval, which will affect the credit investigation. It is recommended to reissue the card with confidence.