1, personal credit is not clean.
It is normal for people with bad credit records to be refused a card. I suggest you check your credit report. If you find a bad credit record, you should apply again after 12 months or 24 months, because the general bank will check your credit record in the last 24 months when reviewing the information.
2, the basic conditions are not up to standard
The basic conditions for applying for a credit card are as follows: age between 18-65, stable occupation and income;
On this basis, different banks have different credit card application conditions. Therefore, before applying for a credit card, take more time to understand the relevant requirements. For example, the Young card of China Merchants Bank and the Y-power card of Bank of Communications require applicants to be under 30 years old.
3. There is something wrong with the application materials.
On the one hand, to apply for a credit card, you need to prepare complete information, from personal basic information to financial proof. If the applicant provides detailed application materials and can effectively verify them, the possibility of credit card approval will be greatly improved.
On the other hand, filling out the application form is also a technical job. For example, the recommender, company phone number and card address in the application form are all extra points for applying for a credit card, so don't ignore them easily!
4. Apply for a credit card frequently.
When the bank examines and approves the information of the credit card applicant, it will inquire about the applicant's credit report. So it will leave a record of the bank's inquiry report. If the applicant applies for a credit card intensively in a short time, it is easy to be suspected as a high-risk customer by the bank, resulting in the rejection of the card application.
5. The average comprehensive credit score is low.
When applying for a credit card, the bank credit card center will give a comprehensive score to the individual according to the cardholder's application form, qualification documents, credit records, etc. A low credit score will directly lead to the rejection of the card application. Because the qualification documents and credit records are fair, objective and unchangeable. Therefore, if you want to get extra points, you may wish to work harder on the application materials.