There are three reasons why a credit card application is rejected:

1. Reasons for the applicant’s basic information

1. Unable to confirm or not signed by the person;

2. The signature on the application form does not match the certificate;

3. The signature on the application form does not match the regulations;

4. The application form is signed and has not been signed;

5. The information is unknown and will not be provided;

6. The family is unknown and will not be provided;

7. The salary unit information is unknown and will not be provided;

8. The contact information is unknown and not provided;

9. The application form or application materials cannot be read and have not been supplemented;

10. The information is insufficient and have not been supplemented;

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11. The applicant’s relevant information is insufficient and the information is not completed on time;

12. The applicant’s age does not meet the requirements;

13. The applicant is not registered locally and the comprehensive conditions are not met Meet the standards;

14. Non-local residents have no housing and self-purchased housing does not meet the standards;

15. The unit does not meet the regulations and the position does not meet the regulations;

16. The applicant has no job and no stable source of income;

17. The applicant belongs to employees in restricted industries;

18. The applicant does not meet the card application standards for military personnel;

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19. The applicant is a foreigner;

20. The type of applicant’s identity document does not meet the regulations;

21. The certificate is invalid or the validity period does not meet the regulations;

22. The applicant for the supplementary card does not meet the requirements.

2. Reasons for the applicant’s credit situation

1. The applicant applied repeatedly;

2. The applicant’s unit was found to have no such person;

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3. The applicant has resigned from the unit he filled in;

4. The applicant works part-time;

5. The applicant’s job is unstable;

6. The applicant’s job changes frequently;

7. The applicant’s income is unstable;

8. The applicant is a small business owner and the company has been established for a short time;

9. The applicant already holds multiple credit cards from other banks;

10. The applicant’s work unit information is inconsistent with the review and there is no reasonable explanation;

11. The applicant’s social security Abnormal;

12. The social security record does not match the application form and cannot be reasonably explained;

13. The applicant’s unit cannot verify and confirm;

14. The applicant The unit where he works has not been registered or has been canceled or has not been reviewed annually;

15. Negative information about the unit where he works;

16. According to the credit investigation, the applicant’s comprehensive conditions are poor and the risk is uncontrollable ;

17. The applicant has a bad record;

18. The applicant has a bad personal loan payment record in our bank;

19. The applicant has other banks The credit card has a bad repayment record;

20. The applicant has a bad record in the personal credit system;

21. The applicant's unit has a bad record in the tax bureau (private business owners and Legal person);

22. The applicant’s unit has a record of evading bank debts (private owners and legal persons);

23. There are doubts about the applicant’s credit report;

24. Deactivation;

25. Forged ID card;

26. Forged real estate certificate;

27. Forged driving license;

28. Forge their documents;

29. Steal other people’s ID cards and apply for them;

30. Import documents through blackmail agencies;

31. Apply The person has repeatedly paid unpaid bills without reasonable explanation;

32. The applicant cannot be contacted;

33. The applicant cannot be contacted within the valid credit reporting period ( Three times in three days);

34. The contact information provided by the applicant is invalid;

35. The applicant does not cooperate with the credit investigation;

36. Family members or contacts If someone provides negative information or suggestions about the applicant, the application will not be processed;

37. The applicant has a criminal record.

3. Other reasons

1. The contact person does not know or is unwilling to be a contact person.

2. The applicant’s relatives registered in other places cannot be contacted.

3. The contact person does not meet the requirements.

4. The approved card type and limit do not meet the applicant’s requirements, and the applicant refuses to accept it.

5. The applicant’s place of work and residence are in non-branch cities, and the risks are uncontrollable.

6. Applicant’s health reasons.

7. The applicant does not meet the approval conditions for collective card application, project card application or personal verification and personal visit.

8. The original document is not verified or does not have the signature of the verifier.

9. The input channel is unclear and the authenticity of the information cannot be determined.

10. The card cancellation interval does not comply with the card issuance regulations.

Suggestions: 1. Don’t apply for credit cards too frequently. It is recommended to only apply for a credit card from one bank a month. If you are sure that it cannot be approved, then change to another bank. 2. Check whether there are any problems with the submitted materials and whether they are complete (bring your work certificate and slip, as well as your ID card. If you have a real estate certificate or car certificate, bring a copy).