1. Personal data, including many contents, such as the applicant's age, gender, native place, education, work and income, are the most basic judgments on the applicant's qualifications when applying for a credit card, and are also a preliminary screening process.

2. Personal credit information mainly depends on the applicant's credit status. Credit cards should be returned after use, which is different from people who don't have a letter. Banks will not approve cards if the applicant has bad credit. Moreover, to prove a person's credit, the key point is to look at the overdue situation. It is best if there is no overdue, and it depends on the number of overdue times. For example, there is basically no hope that it has been overdue for nearly two years.

3. Debt ratio refers to the bank's judgment of its debt ratio according to the amount owed to the credit card in the credit record. Once the personal debt reaches a certain critical point, it is usually 5%, which means that the applicant's repayment ability is poor and the risk of default is great.

4. Personal property, which is not mandatory, is only an additional item, such as car property and real estate under one's name, which are proof of a large amount of funds and guarantee of the applicant's repayment ability.