1. It may be that you have submitted less application materials, especially when applying for a credit card for the first time. It is particularly important to fill in the submission materials.

2. When using credit cards or loans directly, there is a bad credit record. Usually, after receiving a credit card application, the bank will check the applicant's credit record through the credit information platform. If the credit record is good, the credit card is more likely to be approved.

Secondly, in finding a bank,

1. It is possible that the credit card you applied for does not meet the application conditions. For example, student cards and membership cards are all restricted. If you apply for such a credit card, you will be rejected directly.

The rating of the bank is too low. Banks use rating systems to automatically rate users. Only when the score specified by the bank is above can the card be approved. If not, the card will be rejected. It is very likely that your rating does not meet the requirements.