Credit card is a kind of guarantee-free and mortgage-free credit product, and banks must conduct strict examination before issuing cards. For those who do not meet the requirements, the bank will refuse to issue cards. \x0d\ 1。 Unqualified card issuing conditions \x0d\ Many users did not read the application conditions carefully when handling the card. Many credit cards have application conditions, such as student card, female card (boring building), membership card or age limit, which will directly lead to the rejection of card application. \x0d\ 2。 Missing application materials \x0d\ Applicants must pay attention to the authenticity and integrity of the application materials, which is an important basis for the bank to approve the card. This information is especially important when applying for a credit card for the first time. \x0d\ For example, if you have a house and a car, it is more likely that you can submit the approval of the house purchase contract and vehicle driving license; If there are only simple materials such as a copy of the ID card, the probability of passing is very small. \x0d\ 3。 Having a bad credit record \x0d\ 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. \x0d\ 4。 Bank score is not up to standard \x0d\ The bank uses the scoring system to automatically score users. Only when the score is above the score specified by the bank can the card be approved, and if it is not reached, it will be rejected. The user receives the notice that "the comprehensive score is insufficient and the card issuance is rejected", which refers to this score.