1. The applicant has a bad credit record. When applying for refueling insurance, the applicant needs to authorize the bank to inquire about its credit information system in the People's Bank of China. If you leave a bad credit record in the credit information system, including overdue repayment by credit card and repayment by loans overdue, you will not be able to pass the examination when you apply for refueling insurance.

2. The applicant's income is low. If the applicant's monthly income is relatively low, it is more difficult to apply for refueling. In order to avoid the risk that the applicant will not repay the loan on time, the bank requires the applicant to show proof materials that can prove his stable income when applying for a credit card.