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Why was my Credit Card Application rejected by bank? - Rejection for a credit card can be for a few different reasons, not only for having bad marks in your credit file. You should apply for your CIR to find out why you were rejected. Reasons like age and income can’t be altered. However, credit issues can stem from having overdue or defaulted credit accounts. It is important that you verify that all information in your file is correct, if not take steps to fix the issues. If your card has been used fraudulently you should be able to correct it and restore your credit rating.