Credit card risk in a broad sense refers to the possibility of losses among card issuers, cardholders and special merchants caused by various unfavorable factors in the process of credit card business management. In a narrow sense, credit card risk refers to the possibility that credit card issuers will suffer losses due to the product characteristics of unsecured revolving credit card and the characteristics of no plan, no fixed place, many loans issued by individuals and small single amount. Credit card risks are very harmful and need to be guarded against. The risk control audit failed and the credit card application was unsuccessful. The result of risk control audit will directly affect the application result of credit card. It can also be said that many credit card applications failed because of the failure of risk control audit. The reason for the failure of risk control audit is that the user failed to pass the bank audit, and the credit card or loan applied for failed. The risk control audit is actually a qualification audit of applicants applying for credit cards.