According to Cai Xi's survey. Com, if China Merchants Bank refuses, it may not get the card, or it may be because there are too many applicants and the system is delayed, or because the cardholder submitted the application late and the credit card system has not started to approve. The application review of China Merchants Bank's credit card is comprehensively evaluated by the system. If there is no second refusal, the system will examine the basic personal information filled in by the applicant in detail, and users with good credit qualifications will have a greater probability of passing the system examination. No second refusal does not mean that the cardholder's credit limit is high, but it should be judged according to the cardholder's personal qualifications.