1. Credit information: After receiving the credit card (debit card) application, the bank will check the applicant's credit record through the credit information platform. If there is a bad record (such as overdue credit card), credit card (debit card) is very likely to be rejected.

2. Failure to meet the conditions for issuing cards: Many credit cards (debit cards) have application conditions, such as student cards and female cards, which will directly lead to the rejection of card applications.

3. Missing application materials: Applicants must pay attention to the authenticity and completeness of application materials, especially when applying for a credit card (debit card) for the first time. If you only have simple materials such as a copy of your ID card, you are likely to be rejected.

4. The bank's score is not up to standard: the bank automatically scores the users with the scoring system, and refuses the card if it is not up to standard.

Credit card (debit card) applications are not approved for many reasons. Applicants can also call the customer service hotline of the Postal Savings Bank to transfer to manual service, and ask the staff to tell the specific reasons.