If the application fails because of too much arrears, then the user needs to pay off the arrears first, and then apply for the ABC credit card consumption reserve fund; If it is because of a loophole in the loan system, you can wait until the system is restored before applying; If it is because of poor personal qualifications and poor credit, then wait until the credit is good before applying; If the credit card has not been used for a long time, wait for the holding time to exceed 1 year before applying.