There may be several reasons why your credit card application failed to pass the review:

1. Failure to meet the application conditions: When applying for a credit card, you must meet the bank’s requirements, such as being over 18 years old and having a stable job. income, etc. Applicants may not meet the requirements themselves.

2. There is a bad credit record: The bank will query the applicant's credit record through the credit reporting platform during review. If the applicant has a bad credit record, the application may not be approved.

3. The level of applying for a credit card is too high: If the applicant has applied for a high-level credit card, he or she needs to meet certain application qualifications. The applicant may not be qualified enough and therefore fails the review.

Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards in which the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit card It refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund as required. When the reserve account balance is insufficient to pay, the cardholder can overdraw within the prescribed credit limit. The so-called credit card generally refers to a credit card only.

Legal basis

Interpretation of the relevant provisions of the "Credit Card Business Management Measures" by the People's Bank of China

1. Paragraph 5 of Article 43 of the "Measures" Explanation of the sixth provision

(1) The content of the fifth provision is: "The cardholder's ID card or photo on the card matches the cardholder." This regulation emphasizes that the "photo" on the "ID card or card" held by the cardholder matches the cardholder. Therefore, "match" in the fifth provision should mean that the appearance of the person in the "photo" is consistent with the appearance of the cardholder.

(2) The content of the sixth provision is: "The pinyin name on the front of the card must be consistent with the signature on the back of the card and the name on the ID card. This provision emphasizes that the "card" held by the cardholder The "pinyin name" on the card must be consistent with the "signature" and the "name" on the ID card held by the cardholder. Therefore, the "consistent" in the sixth provision should mean that the "pinyin name" must be consistent with the "pinyin name" on the back of the "card". The name represented by the "signature" is consistent with the name represented by the "name" on the "ID Card"

II. Interpretation of the relevant provisions of Article 44, Paragraph 1 of the "Measures"

According to the relevant provisions of paragraph 1 of Article 44 of the "Measures", if the payment limit is exceeded, the special unit shall request the card-issuing bank and fill in the authorization number, submit it to the cardholder's signature for confirmation, and at the same time check his signature "Is it consistent with the signature on the back of the card?" The "consistent" here should mean that the cardholder's "signature" on the purchase form must be consistent with the handwriting and name of the "signature" on the "back of the card."