The cancellation rate of credit cards is getting higher and higher. The survey shows that in the past year, the credit card cancellation rate has reached a new high, and more than 50% cardholders have the experience of credit card cancellation. The characteristics of low cost and high interest rate of credit card can bring a lot of benefits to the issuing bank. Therefore, in the process of credit card business development, in order to attract more users, banks have continuously lowered the threshold for credit card processing, and even attracted customers to apply for credit cards through marketing means such as "more brushing and more replenishment" and "quick withdrawal".