The main reasons why credit cards can't be done are:

1. Disqualification for issuing cards

Many users didn't read the application conditions carefully when applying for cards. Many credit cards have application conditions, such as student cards, female cards, membership cards or age restrictions, which will directly lead to the rejection of the card application.

2. There are few application materials

The applicant must pay attention to the authenticity and integrity of the application materials, which is an important basis for the bank to approve the card. This information is especially important when applying for a credit card for the first time.

3. There is a bad credit record

After receiving the credit card application, the bank will check the applicant's credit record through the credit information platform. If the credit record is good, the credit card is more likely to be approved.

4. The bank's score is not up to standard

The bank uses a scoring system to automatically score users. Only when the score is above the score set by the bank can the card be approved, and if it is not reached, the card will be rejected. The notice that the user received "card issuance refused due to insufficient comprehensive score" refers to this score.

5. When encountering a black intermediary,

try to choose a formal bank institution when applying. Many intermediaries that collect money to handle cards and some roadside card application points are for defrauding money and user information, and they cannot approve cards.

Extended information:

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards with a certain credit limit within which the cardholder can spend first and then repay; Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the specified credit limit. The credit card generally refers to a credit card.

credit card consumption is a non-cash transaction payment method, and it is not necessary to pay cash when spending, and the repayment will be made on the Billing Date. ?

Baidu encyclopedia-credit card