1. When applying for a credit card, the contents of the application form and the supporting materials submitted by the applicant should be entered into the system for comprehensive evaluation, including: education, marital status, work unit, housing situation, personal loan, position, length of service, income, credit record, whether the application form is filled in in detail, etc.

2. In addition to bad personal credit records, such as incomplete submission documents, failure to provide permanent residence address, failure to provide personal or immediate family members or brothers and sisters' permanent residence telephone number, failure to provide company telephone number, time exceeding requirements (supplement), income/work certificate/property certificate documents failing to meet requirements, and missing the telephone number for credit investigation. , may be rejected.

The bank will not tell the customer the reason for rejection, nor will it return the application materials to me.

Although the rejection code can be found in the system, the customer service really can't tell the specific reason for the rejection. This is the normal state of the industry, and it can only be said that the comprehensive score is insufficient.

3. Bad credit record, whether to activate the use of other banks' credit cards, resulting in unpaid annual fees or overdue personal credit cards and loans. If you are rejected many times, it is recommended to go to the People's Bank with your ID card to check your personal credit report.