First, your repayment ability is not enough.
Your lack of repayment ability will involve two aspects. One is your income. If your income is too low and exceeds the bottom line of credit card issuance, the bank will not approve it.
On the other hand, whether your job is stable or not, many applicants have high incomes, but because of the unstable income sources, such as self-employed, banks will worry about the future repayment ability of applicants and may refuse visas.
Second, your credit record is not good.
Your credit history will also be an important reason why the credit card is not approved. No matter how high your income is, how good your status is, or even how high your assets are, if your credit history is bad and there are many overdue records, then the bank will think that although you have the ability to repay, you can repay, but you don't. For banks, such cardholders are not more valuable than those who have no repayment ability, which will also lead to the failure to approve credit cards.
Third, you have too many credit cards.
If you hold too many credit cards, the bank will judge whether the overall credit limit of your current credit card is compared with its income and whether it is able to repay the new credit card.
You can also call the bank's customer service phone to find out the reason for the failure. I wish you a successful card as soon as possible.