Bang Xin Sin cannot apply for any card.

The People's Bank of China issued a notice to strengthen payment and settlement management and prevent telecommunications cyber crimes. The notice mentioned that a disciplinary mechanism for buying and selling bank accounts and payment accounts, and opening accounts under false names will be established, measures such as suspending business and restricting account openings will be implemented for relevant units and individuals, and their information will be transferred to the basic financial credit information database and announced to the public.

Here are some solutions you can take when your credit card application is declined. First, you can contact your credit card issuer to find out the specific reason for the decline. Based on their responses, you can take steps such as improving your credit score, cleaning up erroneous information in your credit report, or increasing your income verification. Second, you might consider applying for other types of credit cards, such as secured or prepaid credit cards, to build or rebuild your credit history. Additionally, developing a good relationship with a bank or credit union, such as opening a savings account or applying for other loans, can also help improve your credit profile. Most importantly, maintaining good credit behavior, such as making on-time payments, avoiding late due dates and overusing your credit limit, will help improve your credit score and increase your chances of a successful credit card application. Remember, patience and consistent effort are the keys to resolving credit card application rejections.

Legal basis:

Decision of the Supreme People's Court and the Supreme People's Procuratorate on amending the "Interpretation on Several Issues Concerning the Specific Application of Laws in Handling Criminal Cases Obstructing the Management of Credit Cards": Article 9 Malicious Overdraft The amount refers to the actual overdraft principal amount that has not yet been repaid when the public security organ files a criminal case, excluding interest, compound interest, late payment fees, handling fees and other fees charged by the card-issuing bank. The amount returned or paid shall be deemed as the return of the actual overdraft principal. When reviewing prosecutions and initiating public prosecutions, the procuratorial organs shall based on the transaction details, classified bills (overdraft bills, repayment bills) and other evidentiary materials provided by the card-issuing bank, combined with the explanations, defense opinions and opinions put forward by the criminal suspect, defendant and their defenders. Relevant evidence materials shall be reviewed to determine the amount of malicious overdraft; if the amount of malicious overdraft is difficult to determine, it shall be reviewed and determined based on judicial accounting and audit reports, combined with other evidence materials. During the trial process, the people's court shall determine the amount of malicious overdraft based on verifying the authenticity of the above-mentioned evidence materials. Relevant evidence materials provided by the card-issuing bank should have the signature of bank staff and the official seal of the bank.