New card accounts from one of our online channels fell from 10,000 to 7,000 last month. Site traffic was flat, application conversion went from 10% to 9%, and approval rate dropped from 50% to about 39%. How would you analyze this, and where is the main problem?

我们一个线上获客渠道，上个月新开卡数从1万张降到了7000张。网站访问量基本没变，申请转化率从10%降到9%，批准率从50%降到39%左右。你怎么分析？主要问题出在哪？