1. The basic information of the applicant does not meet the requirements of the bank. For example, 18 years old, the occupation is forbidden for bank credit cards, the information provided is not detailed, and the payroll information is not detailed;
2. There may be problems with the applicant's credit information, such as bad credit records or outstanding loans, unstable income, etc.
3. The contact person does not know or is unwilling to be a contact person, the applicant's health reasons, the contact person does not meet the requirements, etc.