1. Bad credit: the applicant has a record of malicious overdraft or loan default in other banks; The applicant has a record of unpaid water, electricity, gas or telephone charges; The applicant has a lawsuit dispute or a bad record in the Public Security Bureau.

2. Insufficient qualification: the applicant is engaged in industries with limited credit card issuance; The applicant's age, working years, wage income or other economic sources do not meet the prescribed card issuing standards; The relationship between the sub-card applicant and the main card applicant does not meet the requirements; The applicant's income, work and other comprehensive factors are unstable and risky.

3. Incomplete information: the application materials are incomplete; The applicant fails to provide the basic documents; The documents provided by the applicant do not meet the examination and approval criteria.

4. Risk groups: the applicant falsifies information or provides false information; Abnormal conditions are found in the process of credit review (resignation of the applicant or non-signature of the applicant); The applicant does not exist or applies under the guise of others; The applicant is a high-risk customer and so on.

5. Other reasons: repeated application, or cancellation of application by the applicant himself.