2. If the certificate is expired and the certificate is not within the validity period, it is impossible to apply for a bank card. 3. The number of bank cards and debit cards processed exceeds the limit. 4. ID card is damaged. Minors under the age of 16 can't get a bank card without a guardian. 6. The information in the ID card contradicts the information in the bank detection system. The ID card does not meet the requirements: the ID card has expired; The identity document is damaged or demagnetized and unrecognizable; The owner of the identity document has a credit problem, which is found by the bank's identity document monitoring system and does not meet the conditions for joint bank card; The information in the identity document contradicts the information in the bank monitoring system; 2. The number of cards in the bank has reached the upper limit: some cities impose household registration restrictions on bank cards, that is, users who are not within their requirements need some auxiliary certificates to apply for cards.