자네가 새로운 얼굴이라 그래. / 자네가 이곳에서 잘 알려지지 않아 그래.

A: I can’t get a bank to grant me a credit card.
B: 자네가 새로운 얼굴이라 그래. / 자네가 이곳에서 잘 알려지지 않아 그래. They don’t know you, yet.
A: Over time, I need to create a credit history with them.
B: It’s a long road, but you’ve got to go down it.

A: 은행에서 신용카드 하나 발급받기가 이렇게 힘들다니.
B: 은행 사람들한테는 You’re a new face. 아직 자넬 잘 모르잖아.
A: 시간을 두고 은행과 거래하면서 신용을 쌓아가야겠어.
B: 힘들어도 그렇게 해야지 뭐.

[Additional expressions]
*I can’t get a bank to grant me a credit card.
– No bank will issue a credit card to me.
*You’re a new face.
– You’re a new customer for them. / You’ve just recently started going there.
*They don’t know you, yet.
– They are not yet very familiar with you. / You are unknown to them, still.
*Over time
– As time passes / Over the course of time / As I go along
*I need to create a credit history with them.
– I have to establish a record at their bank.
*It’s a long road
– It takes a long time / It’s not easy to do / It will require a lot of effort
*you’ve got to go down it
– you have to do it / it’s something you have to go through