Applicants who have bad credit records in the personal credit information system of the People's Bank of China cannot apply for an ICBC credit card. Applicants can bring their ID cards to the People's Bank of China or the branches of the People's Bank of China to print personal credit reports.
The applicant can judge the reasons for the failure of ICBC's credit card application according to the personal credit report. If there is no bad credit record in the applicant's personal credit report, the applicant needs to see whether there are credit card repayment records or loan repayment records in the personal credit report.
If there is no record except personal basic information in the personal credit report, such applicants are commonly known as "pure white households". It is not easy for "pure white households" to pass the credit card audit of ICBC.
If the applicant's monthly income is low, he can't pass the credit card audit of ICBC. The applicant's monthly income is low, so he may not be able to repay the credit card debt in full and on time, and ICBC is at risk of not being able to recover the credit card debt. Applicants can provide proof of financial resources to ICBC, such as cars, houses, securities, gold, etc.