1. The customer's current status is overdue in the Bank's personal credit information system or bank and interbank accounts (including housing loans, automobile consumption loans, personal consumption loans, credit cards, etc.). ), or has a bad record overdue for more than 90 days in the last 12 months.

2. Knowing that the customer has any of the following circumstances through other credit channels:

(1) was listed in the bad customer information database of banks, peers or credit reporting agencies due to illegal card use.

(2) The defendant has major litigation or arbitration and other legal disputes. ?

(3) maliciously defrauding bank funds. ?

(4) Having a criminal record during his imprisonment or in the last seven years.

3. Other bad credit behaviors identified by the issuing bank. ?

4. The customer has a bad record of more than 60 days overdue in the recent 12 months in the bank credit information system.