Hello, if you mean that China Merchants Bank's credit card application is unsuccessful, the credit card review needs a comprehensive evaluation of our system, and there are many reference factors, such as age, job stability, income, credit history and so on. If the audit fails, we will generally send you a notice letter by ordinary mail within 3 working days, and there is no email or SMS notice for the time being. If the applicant's work or financial information changes, he can resubmit the information after 3 months. We will properly handle all application materials submitted by applicants to ensure privacy and safety.