1. Inconsistent materials: incomplete application materials; The applicant fails to provide the basic documents; The documents provided by the applicant do not meet the acceptance criteria.

2. Credit mismatch: 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 is in a lawsuit dispute or has a bad record in the public security bureau, and so on.

3. 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, etc.

4. Unqualified: the applicant is engaged in the restricted promotion industry of 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, and so on.

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