1. Credit card failed approval. This may be because credit card applicants have poor credit information, high debts and insufficient income.

2. The cardholder has breached the contract. Such as overdue repayment, malicious overdraft, etc.

3. The cardholder has too many inquiries. Financial institutions usually think that frequently checking credit reports or applying for loans/credit cards means that cardholders are very short of money.

4. The cardholder fails to repay the loan or credit card bill as agreed. This will lead to the deterioration of credit records, and then affect the authorization of credit card payment.

5. The cardholder's guarantee is rejected or cancelled. If the cardholder refuses to guarantee others, or the loan/credit card guaranteed by the cardholder is cancelled, it will also affect the authorization of credit card payment.