1, the cardholder's own risk, the cardholder's comprehensive credit card debt is too high, and the debt ratio exceeds 70% for more than three consecutive months, which will be regarded as a high-risk customer by the issuing bank.
2. Over-staging, the cardholder's credit card needs to be repaid in too many installments, and most of the installments are in an unsettled state, so the bank will worry about the cardholder's repayment ability.