Banks give credit card applicants a comprehensive score by combining various factors. If the comprehensive score is lower than 60, the credit card application will not pass.

Main aspects to be considered in credit card audit:

1. Does the applicant have a stable job (work permit is required), a stable residence (house lease contract or three consecutive months' electricity, water, electricity and coal bills) and salary level (three consecutive payrolls);

2. The applicant's credit status (check whether you have a bad record);

3. The applicant's willingness to repay;

4. Contact information provided by the applicant (there are four required phone numbers in the credit card application form, and the four phone numbers cannot be the same).