1. The conditions do not match: the most basic condition is that you have reached the age of 18 and have a stable source of income. In addition, different levels of cards have different requirements for income, so see if you meet them.

2. Insufficient comprehensive score: the bank will make a comprehensive evaluation based on factors such as household registration, education, marital status, housing, work situation, income level and property status, and give a comprehensive score. If the score is low, it will not pass.

3. Bad record: If there is any bad behavior such as overdue or violation, it may be rejected to apply for a credit card again.