I got an ICBC credit card in September, and then sent me a text message for review. After that, there was no text message or anything. Is there any hope of passing the review? Our place

Credit card application failed because:

1. The applicant's repayment ability is insufficient. The applicant's insufficient repayment ability will involve two aspects. One is the income of the applicant. If the applicant's income is too low and exceeds the bottom line of credit card issuance, then the bank will refuse the visa. On the other hand, applicants have stable jobs and many applicants have high incomes. However, due to the unstable sources of income, such as self-employed, banks will worry about the applicant's future repayment ability and may refuse to sign.

2. The applicant's credit record is not good. The applicant's credit record will also be an important reason for the failure of credit card approval. No matter how high the applicant's income is, how many jobs he has, or even how high his assets are, if the applicant's credit record is poor and there are many overdue records, then the bank will think that although the applicant has the ability to repay, there is the possibility of being "lazy", that is, he can repay but not repay. For banks, such cardholders are not worse than those who have no repayment ability.

3. The applicant has no local card-issuing bank outlets. Although the bank did not explicitly indicate that applicants in some areas could not apply for a credit card when applying for it, the bank would directly reject the application information without bank outlets in this area when approving the credit card.

4. There are too many credit cards. If the applicant holds too many credit cards, the bank will judge whether the overall credit limit of the credit card he holds now is compared with his income and whether he has the ability to repay the new credit card.