What you want to ask is the reason why the audit of China Merchants Bank failed after the interview? The reason for this is the following：

1. If there are overdue, cash withdrawal or bad behavior records in the personal credit report, the bank will refuse the credit card application.

2. The bank will consider the applicant's work, income, stability and other factors in the audit process. These aspects do not meet the requirements of the bank, which will lead to the failure of the audit.