Not necessarily, poor credit information will affect the credit card application, but it does not mean that good credit information will definitely lead to a credit card. The following are common reasons why credit cards can't pass. One of the reasons why the application conditions are not up to standard is that the credit information can be passed and cannot be overdue at present. In the past two years, if the credit information is not good, you can't do it. One is to meet the application age. The card age of most banks is 18~60 years old, but some card types have specific age restrictions. For example, the youth card of China Merchants Bank cannot be over 30 years old, and the highest application age of Y-pow card of Bank of Communications is 35 years old. Personal credit cards also have gender restrictions. For example, women-only credit cards are only open to women, and men-only credit cards are only open to men.

A person's bad credit record is not necessarily caused by overdue repayment of loans or credit cards. Many people are told by the bank when they apply for their first credit card. We should find out how bad records are produced. Card friends can find reasons from the following points: credit cards and mortgages are not repaid on time; The student loan is in arrears; The loan interest rate is raised, and the monthly payment is still paid according to the original amount, resulting in overdue interest; When providing a guarantee for a third party, the third party fails to repay the loan on time; Personal credit card cashing; Being fraudulently used by others to generate credit card arrears records; Some "sleep credit cards" will generate annual fees if they are not activated, and negative credit records will be generated if they are not paid; Water, electricity and gas charges are not paid on time; Tax arrears and late fees, etc. ; The mobile phone number was stopped, and the relevant formalities were not handled, and it was overdue because the monthly fee was not paid. In short, with the improvement of the credit information system, public credit such as subway fare evasion will also be recorded in bad records. No matter what causes the bad record, it will affect your application for a credit card, so you should make up for it in time, pay off the arrears and avoid illegal and immoral behavior.

Second, we all know that personal credit report consists of three parts: personal credit record, public record and inquiry record. Personal loan records generally only show the issuing time, credit line and repayment of credit cards. In other words, the failure of credit card application will not be recorded in the credit report, and of course it will not affect the personal credit report. However, it is not excluded that some financial institutions will learn about the credit card application from the applicant's credit report, which is likely to affect the successful approval of the loan or the amount of the next payment. Age status: the bank will stipulate that the credit card applicant 18 years old or above and below the statutory retirement age. Identity information: When the applicant fills in the basic information of applying for a credit card, it mainly includes telephone number, ID number, home address, domicile, education background, degree and marital status. If the personal information provided is incomplete or untrue, it is likely to be rejected by the bank. Credit status: Personal credit status will be reflected in the applicant's credit report. If there is a bad credit record, or the credit account between the applicant and the bank is broken, it will have an impact on the approval of credit cards. Work status: unstable work or unstable work unit will affect the approval of credit cards. Personal financial status: mainly including salary status and inherent assets status, which reflect the repayment ability of credit card applicants. The bank will decide whether to approve the credit card application according to the personal financial situation of the credit card applicant.