1. When approving a credit card application, the bank will check the applicant's credit history. If there are overdue payments, default records or other bad credit records, the application will fail. In this case, first improve the personal credit record, and then re-apply for a credit card.

2. Banks will also consider income to ensure that they have the ability to repay credit card bills. If the income does not meet the requirements of the bank, the application will be rejected. You can consider increasing your income or choosing a credit card type that suits your income level.