It means that the credit card application was rejected and failed to pass the review.

Reasons for rejection of credit card issuance:

1. Reasons for the applicant’s basic information, such as under 18 years of age, occupation that is prohibited for bank credit cards, insufficient information provided, and insufficient salary slip information. Details etc.

2. Reasons for the applicant’s credit situation, such as the applicant applying repeatedly, having an unstable job, having a bad credit record, and the applicant cannot be contacted, etc.

3. Other reasons, such as the contact person not knowing or unwilling to be the contact person, the applicant's health reasons, the contact person not meeting the requirements, etc.

The following is the card issuance policy of China Everbright Bank:

First: Chinese citizens, foreigners permanently residing in the country, and those with full capacity for civil conduct, legal and stable income, and good reputation Compatriots from Hong Kong, Macao and Taiwan can apply for a personal credit card master card from the card issuer with their valid ID.

The primary cardholder and the secondary cardholder use the same credit limit; the usage limit of the secondary card can be set within the credit limit of the primary card, and all transaction amounts and corresponding interest of the secondary card , fees, etc. are all credited to the main card account, and the main cardholder is fully responsible for repaying the debts incurred under the main card and supplementary card.

Second: Any enterprise, administrative institution, social group, other economic organization authorized by a legal person, etc. that opens a basic account in a financial institution within China and has independent legal person status can issue an account with the People's Bank of China Apply for a corporate card from the card issuer with the account opening license and other information.

If you apply for a foreign currency unit card, you must also have a stable source of foreign exchange and an account that can legally control its foreign exchange. Each unit can apply for several unit cards, and its cardholder qualifications shall be designated or revoked in writing by the legal representative of the applicant unit or its authorized agent. The applicant unit shall bear all debts incurred by the unit card.

Third: When applying for a credit card, the applicant should fill in the application form and the authentic materials required by the card issuer correctly, completely and truthfully according to the requirements of the card issuer, and sign a contract with the card issuer.

The card issuer decides whether to approve the applicant's application based on the applicant's application and credit status, whether to require the applicant to provide guarantee and the method of guarantee, and determines the credit limit. The types of guarantees required include guarantees, mortgages and pledges.

The scope of guarantee covers all outstanding debts incurred under the cardholder’s credit card, and a corresponding guarantee contract should be signed for guarantee.

Fourth: The Everbright Bank credit card issuer provides the cardholder with the inquiry password and transaction password through designated channels. After receiving the credit card, the cardholder should immediately sign in the signature column on the back of the credit card. The same signature on the application form and use the same signature at the time of transaction, otherwise the cardholder will be responsible for any resulting losses.

Warm reminder: Whether you are an individual or an institution applying for a credit card, you must fill in the application form and the authentic materials required by the card issuer correctly, completely, and truthfully to ensure that the credit card can be quickly reviewed and issued.

After swiping your card for consumption, remember to repay the bill immediately after it is issued to avoid unnecessary losses.

Extended information:

A few days ago, China Everbright Bank Credit Card Center launched a personalized instant card issuance system, namely the DIY credit card instant issuance system. According to reports, this system is the first personalized instant card issuance system in China.

In the past, it usually took about 15 working days for a credit card to be submitted, approved, and then mailed. Now, after passing the information at China Everbright Bank, customers can receive a credit card issued by the card issuer in just one minute.

In addition, the biggest feature of Everbright DIY Credit Card is that it can meet cardholders’ needs for personalized card features. The DIY credit card instant issuance system is loaded on the CE series multi-function card printing machine imported from abroad.

When the personal information is approved, the system will immediately start the card design process. Customers can freely select pictures from the system gallery or upload their own favorite pictures, and then design and edit the card surface.

The China Everbright Bank DIY Credit Card is a UnionPay standard card. The card is valid for five years and does not have a supplementary card. It is currently only available to existing China Everbright Bank credit card customers and applies through the China Everbright Bank Credit Card Zone website. The card design is divided into There are two types: horizontal version and vertical version. Customers can choose either one according to their personal preference.

People's Daily Online: Everbright Bank launches DIY credit card instant issuance system