Given the ease with which many UAE residents seem to be offered bank credit, it can be hard to understand why your loan or credit card application was vetoed, particularly since not all banks will share their reason for refusal.
Yet, the reason may have nothing to do with you personally. Instead, it may have everything to do with whether you fulfill a certain set of criteria. Each issuer maintains its own list of measures against which all new credit applications are checked. These may include your income, credit score and debt burden ratio, but could also extend to your workplace.