1. Personal credit issues. When a user applies for a credit card, the bank will check the user's credit report.

2. The information is incomplete. When applying for a credit card, user information is a very important aspect.

3. The conditions are not met. There are many reasons for this. For example, if the user is under 18 years old or does not have a stable income, the credit card application may fail.

4. The information is false. The bank needs to review the application materials submitted by the applicant to the bank.

5. The card applied for is of a higher level.