1. Incomplete internal control: Some institutions have problems with imperfect internal control in credit card business management, lacking effective risk assessment and monitoring mechanisms, and unable to find and deal with potential risks and problems in time.
2. Insufficient technology and information system: Credit card business management needs strong technology and information system support, including risk management system, transaction monitoring system and anti-fraud system. The imperfect technology and information system of the organization will lead to weak business management.
3. Lack of personnel training and quality: Credit card business management needs professional operation and supervision, and institutional employees lack the necessary training and quality, which makes it impossible to effectively carry out risk management, customer service and dispute resolution.