1. Reasons for the applicant’s basic information, such as under 18 years of age, occupation that is prohibited for bank credit cards, incomplete information provided, incomplete salary slip information, etc.

2. It is due to the applicant’s credit situation, such as the applicant applying repeatedly, having an unstable job, having a bad credit record, and the applicant cannot be contacted, etc.

3. Other reasons, such as the contact person not knowing or unwilling to be the contact person, the applicant's health reasons, the contact person not meeting the requirements, etc.

4. Have a bad credit record: After receiving a credit card application, the bank will check the applicant's credit record through the credit reporting platform. If you have a good credit history, you are more likely to be approved for a credit card.

Extended information:

Notes:

1. If you are applying for a credit card from a relevant bank for the first time, the limit should not be too high. First, the bank does not evaluate you enough. If the initial application limit is too high, it is very easy to be rejected. On the other hand, if the limit is too high, the bank may mistakenly think that you are short of money, thus labeling you as a high-risk person and making it more difficult to make a payment.

2. Unsatisfactory bank score: Banks use a scoring system to automatically score users. Cards can only be approved if they reach the score line set by the bank. If the score is not reached, the card will be rejected. The notification received by the user that the card is refused due to insufficient comprehensive score refers to this score.

3. Insufficient application information: Card applicants must pay attention to the authenticity and completeness of the application information, 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.

4. The bank through the online application channel cannot confirm whether the customer applied in person or whether the employer is authentic. Even if the card limit will be greatly reduced, the best way is to ask the bank card department staff to come to handle it.

Baidu Encyclopedia-Online Application

Baidu Encyclopedia-Credit Card