There may be several reasons why a type of card is difficult to obtain:
Strict review: When reviewing a Class 1 card application, banks usually conduct a strict review, including the verification of a series of supporting documents such as the applicant's identity information, proof of employment, income statement, tax payment certificate, business license, etc. If the applicant's supporting documents are incomplete or there are abnormal circumstances, it may lead to the failure of the review and thus the inability to apply for a first-class card.
Quantity limit: According to the relevant regulations, each person can only open one class account in the same bank, and the account cannot be downgraded to a class account. Therefore, for those who already have a class account, it will be more difficult to apply for a class account again.
Risk Warning: Due to the higher capital security requirements of the first type of card, the bank is handling it.
When the first type of card is used, the relevant risks are usually clarified to the applicant, and the applicant is required to fill in the "Risk Warning Form" and other documents. This process may cause some applicants to worry or cause unnecessary misunderstandings, which may affect the willingness to apply for a type of card.
In general, although it is difficult to apply for a Class 1 card, as long as the applicant meets the relevant conditions and requirements, prepares the required supporting documents, and understands the relevant risks, the application for a Class 1 card can be carried out smoothly. If you encounter difficulties or problems, you can consult the bank or ask for help.