Reason one: the applicant's repayment ability is insufficient.

The applicant's insufficient repayment ability will involve two aspects. One is the income of the applicant. If the applicant's income is too low and exceeds the bottom line of credit card issuance, the bank will not approve it. The coping method is: work hard and apply again when your income increases.

On the other hand, applicants have stable jobs and many applicants have high incomes. However, due to the unstable sources of income, such as self-employed, banks will worry about the applicant's future repayment ability and may refuse to sign. The solution is: try other banks, and different banks have different requirements.

Reason 2: the applicant's credit record is not good.

The applicant's credit record will also be an important reason for the failure of credit card approval. No matter how high an applicant's income is, how many jobs he has, or even how many assets he has, if the applicant's credit record is poor and there are many overdue records, then the bank will think that although the applicant has the ability to repay, there is a possibility of "default", that is, he can repay but not repay. For banks, such cardholders are not more valuable than those who have no repayment ability, so it will also lead to the invalidation of credit cards. The countermeasures are: pay off the arrears, repay them in time in the future, and cover the bad records with good credit records.

Reason 3: The applicant has no local card-issuing bank outlets.

Although the bank did not explicitly indicate that applicants in some areas could not apply for credit cards when applying for credit cards, the bank would directly reject the application information without bank outlets in this area when approving credit cards. The solution is to apply for a credit card at a local bank with outlets.

Reason 4: There are too many credit cards.

If the applicant holds too many credit cards, the bank will judge whether the overall credit limit of the credit card he holds now is compared with his income and whether he is able to repay the new credit card. For example, although the applicant earns more than 10,000 yuan a month, he already has three or four credit cards with tens of thousands of yuan, then the bank will think that the applicant's comprehensive credit ability has exceeded, and there will be a risk that he will not be able to repay the card again, because such an applicant will also fail to approve. The response is: so many, no application.