1, the application conditions are not up to standard.

To apply for a master credit card, you must be at least 18 years old. If you are under age, you can't apply. There are also some cards specially designed for specific users, such as beauty cards (only for women) and student cards (only for college students). If such people do not apply, they will not be approved.

2. The application materials filled in are untrue.

Many cardholders will exaggerate their work units and income in order to apply for a successful card or even a high quota, so that they will not only fail to apply for a high-quota credit card, but will also be rejected.

3. Bad personal credit information

It is overdue and even blacklisted by Bank of Communications. Applying for a credit card is easy to be rejected, and there is almost no possibility of "turning over". This shows how important personal credit records are.

There are too many existing credit cards.

If the applicant has too many credit cards on hand, the bank will think that the applicant is suspected of cashing out and will not pass the examination.