The reasons for the lag in credit card pre-approval in the first quarter may be as follows:

1. Fierce market competition: The current credit card market is highly competitive, and each bank is actively promoting its own Credit card products are subject to greater competitive pressure, causing some banks to lag behind in credit card pre-approval.

2. Changes in customer needs: With the development of society and economy, customers' consumption needs are also constantly changing. Some banks' credit card products may not be able to meet customer needs, resulting in pre-approval lagging behind.

3. Banking business processes are not smooth: The business processes of some banks may not be smooth enough, resulting in low timeliness of credit card pre-approval.

4. In response to the above problems, the following measures can be taken to improve the efficiency of credit card pre-approval in the next stage:

5. Improve the specialization of credit card products: According to the different needs of customers, banks can Improve the professionalism of credit card products, meet the different needs of customers, and increase the pre-approval pass rate.

6. Optimize business processes: Banks can optimize the business process of credit card pre-approval to improve the timeliness and efficiency of pre-approval.

7. Improve customer service levels: Banks can strengthen customer service awareness, improve customer service levels, strengthen communication and exchanges with customers, and improve customer satisfaction and loyalty.