1. For credit cards with false information, most of them are handled by external institutions. After the bank finds the agent, it will dispose of the cards of these agents; Maybe you cheated when you applied for a credit card, maybe you kept important information secret or missed it, and the bank was blacklisted;

2. Use a credit card to conduct online transactions such as Taobao, and perhaps there are card companies outside (the possibility of these situations being investigated is very low, one in ten, if you are in this situation, then you will end up miserable);

3. Long overdue and repeated dunning, such as 4-5 overdue for two consecutive months and 2 overdue for three months or more (indicating that entering the blacklist does not necessarily mean that the card cannot be used, and these overdue situations refer to the situation that the card cannot be used);

4. Factors that other banks think may cause risks (your factors).

If you have any other questions, I suggest you call the customer service staff of the bank, hoping to help you.