The bank may refuse to issue one if they don't like you, and they often do so. For example, if you're not a citizen of the country. Or don't have permanent resi

The bank may refuse to issue one if they don't like you, and they often do so. For example, if you're not a citizen of the country. Or don't have permanent residence yet. Or they don't like your accent. Or… My first credit card application was rejected with no explanations.