According to your description, your monthly turnover is 300,000, your job is stable and your income source is stable. If there were other credit cards before, it should be the problem of filling in the information when applying, or the bank failed to pass the examination later. Generally speaking, ICBC refuses to apply for the following reasons:

1. The information is incomplete, and it is found that the information is false: for example, your information says that you have a company, and the bank went to the company to check whether there is this person; Or the business manager you wrote, the company said you were just a clerk and so on. The bank may not approve it.

2. There was an error in the process of credit investigation: I guess you didn't receive the call when the bank called you for credit investigation, or the staff didn't pass the audit when they came to collect the information later. Or your information is not standardized or unqualified.

3. Other reasons: It may also be your occupation. General banks will strictly examine and approve employees engaged in wholesale, individual, direct selling, insurance, logistics, entertainment, catering, security, and freelancing. I don't know what the landlord's occupation is.

4. Multiple applications: I don't know how many times you have applied. Generally speaking, banks will automatically set an application interval of 1 month in the approval system, with a maximum of 6 months. During this period, if an application is rejected, the system will directly reject the application, and it will not go to the manual approval stage at all.

Therefore, the landlord can compare the above items to see where his problems are, and suggest that the landlord apply for another bank. The above is what I have learned. If the landlord wants to know about other banks, he can go to official website to check. I love cards. It's quite reliable I hope my answer can help you!