1, epidemic situation and other factors: the epidemic situation and other factors lead to short-term macroeconomic fluctuations, banks and people are cautious in credit consumption, and the growth rate of card issuance is affected.

2. Tighter industry supervision: In the process of rapid development of bank credit card business, there are problems such as spamming and repeated card issuance, and the tightening of industry supervision has led to a slowdown in the growth rate of credit card issuance.