1. The applicant does not meet the most basic conditions for handling the card, such as 18 years old, being too old, exceeding the bank limit, having no stable source of income, and being unable to prove his repayment ability.

2. Bad credit record is one of the main reasons why many applicants with high education and high income are rejected. If the applicant has a credit card overdue or repayment record in loans overdue, and the personal credit information system has a bad record, it will be very difficult to apply for a credit card again.

There is no credit card business in this area. In some third-and fourth-tier cities and township areas, banks have not carried out credit card business, so it is more difficult for users in these areas to apply for credit cards.

4. White credit households, people who apply for credit cards for the first time, have no credit records before, so it is difficult for banks to judge their credit quality and it is easy to apply for cards.

Documents required for CITIC Bank to apply for a credit card:

1. A copy of the identification documents of the applicant (main card and supplementary card). If the applicant is an overseas person, please provide a passport (personal data page and visa validity page), or a passport for Hong Kong and Macao residents to and from the mainland, or a home visit permit for Hong Kong and Macao compatriots, or a copy of a passport for Taiwan Province residents to and from the mainland;

2. Work certification documents, such as a copy of the work permit stamped with the official seal of the unit or the original work certificate issued by the unit;

3. Financial documents, such as: the original income certificate issued by the unit, or the original bank deposit certificate, or a copy of the salary record issued by the bank showing the name of the applicant, or a copy of the income tax withholding certificate, or a copy of its own real estate license, etc. Note: Additional documents may be required for approval.