Banks consider the following when issuing credit cards:
Credit Score: Credit card issuers look at your credit score to determine a risk factor in issuing you a credit card. This helps the issuers determine how likely it is that you will be able to repay your credit card debt.
Delinquencies: Credit card issuers will look at any past due accounts and late payments.
Credit Inquiries: Hard credit inquiries occur when you apply for some sort of credit account and the company looks into your credit. Too many hard inquiries can be a red flag to many credit card issuers.
Debt to Income Ratio: Credit card issuers want to know you can afford to pay your debts. They will look at your overall income and compare with your debt to make sure they are not lending out more than you can pay.
Available Credit Usage: Credit usage is an important factor to credit card issuers. This reflects how much of your available credit you are using. If you have multiple maxed-out credit cards, but you pay all of them on time, you are still using a good portion of your available credit. A good rule of thumb is to use less than 30% of your total credit.