The possible reasons are as follows:

1. Having a bad credit record

After receiving the credit card application, the bank will check the applicant’s credit through the credit reporting platform Record. If you have a good credit history, you are more likely to be approved for a credit card.

2. Does not meet the card issuance conditions

Many users do not carefully read the application conditions when applying for a card. Many credit cards have application conditions, such as student cards, female cards, membership cards or age restrictions. These problems will directly lead to the rejection of the card application.

3. Few application materials

Card applicants must pay attention to the authenticity and completeness of the application materials, which is an important basis for bank card approval. This information is especially important when applying for a credit card for the first time.

4. Bank scores are not up to standard

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 notice "Card issuance refused due to insufficient comprehensive score" received by the user refers to this score.

5. Encounter rogue intermediaries

When applying, try to choose a formal bank institution. Intermediaries that collect money to apply for cards and some roadside card application points are often used to defraud money and user information, and Card cannot be approved.

Credit card applications need to meet the following conditions:

1. First, citizens who are over 18 years old and have civil capacity are required.

2. It is required to have a stable income and provide proof of income, firstly to prove the ability to repay, and secondly to use it as a reference for setting the credit card limit. If you have successfully applied for a credit card, you can use the card to apply for a card, and the process will be much easier.

3. The personal credit report must be good and have no bad records.

4. Whether you can successfully apply for a credit card is also related to your occupation. For example, security, self-employed, farmers, etc. are more difficult to successfully apply for. However, the editor learned that some banks have launched "Benefit Cards" for farmers.

5. Generally speaking, a stable job is a necessary condition for successfully applying for a credit card. Of course, this is not absolute. For example, many universities now have card processing services specifically for college students. This is to apply for a credit card unconditionally. College students only need to bring their personal documents and student ID cards to the bank to apply for it.

6. Foreign and overseas personnel and active-duty military officers who receive the card in their own name should provide a temporary household registration issued by the local public security department or a certificate issued by the relevant department. They must also provide a guarantee unit that meets the guarantee conditions or have a local household registration. , a guarantor working locally.

Main features of credit card:

1. Credit card is one of the fastest growing financial services today. It is an electronic currency that can replace traditional cash circulation within a certain range. ;

2. Credit cards have both payment and credit functions. Cardholders can use it to purchase goods or enjoy services, and can also obtain certain loans from card issuers by using credit cards;

3. Credit cards are high-tech products that integrate financial services and computer technology.

4. Credit cards can reduce the use of cash;

5. Credit cards can provide settlement services, facilitate shopping and consumption, and enhance a sense of security;

6. Credit cards It can simplify the collection procedures and save social labor;

7. Credit cards can promote product sales and stimulate social demand.

Main types

According to different card issuers, they can be divided into bank cards and non-bank cards

Bank cards. This is a credit card issued by a bank. Cardholders can shop at the card-issuing bank's special merchants, and can also withdraw cash at any time at any branch of the card-issuing bank or at places with ATMs.

Non-bank card. Such cards can be specifically divided into retail credit cards and travel and entertainment cards. Retail credit cards are credit cards issued by commercial institutions, such as department stores, petroleum companies, etc., which are specially used for shopping in designated stores or refueling at gasoline stations, etc., and are settled regularly. Travel and entertainment cards are credit cards issued by the service industry, such as airlines, travel companies, etc., used for purchasing tickets, meals, accommodation, entertainment, etc.