The text message said that I was inviting users. Why am I refused to apply for a credit card?

The approver of bank credit card is the bank, and the sender of short message is the third party-the intermediary agency that handles the card. In order to expand users, promote marketing, and send short messages in groups, it is hateful to invite users as bait; The credit card application was rejected, or the bank failed to pass the examination. Most of the reasons are that you have a bad record or outstanding loans, which you should know. If the intermediary company has been irresponsible and does not count, the loan will be subject to the bank's statement.