Users who fail to apply for a credit card should make a solution according to the reasons for the failure of applying for a credit card, as follows:

1. If the user's personal credit report has overdue records, the user needs to repay as soon as possible and keep the consumption records. Overdue records will be automatically eliminated after five years.

2. For users with multiple credit cards, if the credit card has debts, the bank will consider it as a high risk, and users need to repay the credit card debts as soon as possible.

3. If the user's personal data is incomplete and the bank thinks that he/she has no repayment ability, the user needs to cooperate with the bank to provide relevant financial certificates and income certificates.