1, no stable work

Generally, when you apply for a credit card, you will be asked to provide relevant proof of your work, because the bank should ensure that you have a stable income and repayment ability every month. If your income is unstable and your job changes frequently, it also reflects that your current situation is not optimistic and stable, and there are risks in the eyes of the bank, then the bank will refuse your credit card application.

Moreover, when handling credit cards, employees usually ask for the company's landline number, which is to prevent you from filling in a job or a position at will. Companies with ordinary landline numbers must have them. If you can't provide your phone number, there may be something wrong with your work information.

2. Bad credit record

Credit card is mainly to ensure that this person is honest and trustworthy after reviewing the user's credit information, and will not be cashed out or repaid, resulting in bad debts of the bank. People with poor credit status and bad records will definitely refuse to apply for credit cards.

3. The salary level is too low.

After handling a credit card, you must ensure that you have a certain income every month, so that you can repay it on time every month. If the monthly salary is only 2000, then the credit card limit exceeds 2000, which is simply beyond your ability. For this reason, banks will not issue credit cards to users with low wages.