1. The information provided is insufficient. If cardholders provide too little information when applying for a credit card, or the information does not meet the standards stipulated by Ping An Bank, the card application will be rejected;

2. The financial proof is not strong enough. What banks are most concerned about when applying for a card is the repayment ability of the card applicant. If cardholders do not have strong proof of assets (such as houses, cars, bank statements, etc.), it will be much more difficult to apply for the card;

3. Have a bad credit record. Banks are very ruthless towards loan users. If you have had late repayments or long-term arrears in the past, your chances of applying for a credit card will undoubtedly become slim.