Join Multiple Entity N+1 Problem

Hibernate ORM
1

There is N+1 problem, while joining multiple entities with @OneToOne Association (Hibernate 5.2)

 @Entity
 @Table(name = "COMMON_CARDS")
 public class CommonCards {
 
   @Id
   @Column(name = "card_number")
   private String card_number;
   @Column(name = "card_id")
   private String card_id;
   @Column(name = "bank_C")
   private String bankC;
   @Column(name = "centre_Id")
   private String centreId;
   @Column(name = "bank_Id")
   private String bankId;
   @OneToOne(fetch = FetchType.LAZY)
   @JoinColumn(name = "CARD_NUMBER")
   private StipCards stipCards;
 
   @OneToOne(fetch = FetchType.LAZY)
   @NotFound(action = NotFoundAction.IGNORE)
   @JoinColumn(name = "CARD_NUMBER", insertable = false, updatable = false)
   private CardsExceptions cardsExceptions;
 
 /*getters and setters*/
 
 
 @Entity
 @Table(name = "STIP_CARDS")
 public class StipCards {
   @Id
   @Column(name = "CARD_NUMBER")
   private String card_number;
   @Column(name = "CENTRE_ID")
   private String CENTRE_ID;
   @Column(name = "Expiry_Date_1")
   private String expriryDate1;
   @Column(name = "Expiry_Date_2")
   private String expriryDate2;
   @Column(name = "stat_code_1")
   private String statCode1;
   @Column(name = "stat_code_2")
   private String statCode2;
 
 /*getters and setters*/
 
 
 @Entity
 @Table(name = "CARDS_EXCEPTIONS")
 public class CardsExceptions {
   @Id
   @Column(name = "CARD_NUMBER")
   private String cardNumber;
   @Column(name = "ACTION_CODE")
   private String actionCode;
 
 /*getters and setters*/

here is implementation code to get list of records from database

 CriteriaBuilder builder = session.getCriteriaBuilder();
    CriteriaQuery<CommonCards> criteria = builder.createQuery(CommonCards.class);
    Root<CommonCards> root = criteria.from(CommonCards.class);
    Join<Object, Object> joinStipCards = (Join<Object, Object>) root.fetch("stipCards", JoinType.INNER);
    Join<Object, Object> joinException = (Join<Object, Object>) root.fetch("cardsExceptions", JoinType.LEFT);

    Predicate predicate = builder.and(root.get("card_id").in(cardIds));
    predicate = builder.and(predicate, builder.and(builder.equal(joinStipCards.get("CENTRE_ID"), root.get("centreId"))));

    criteria.where(predicate);
    List<CommonCards> commonCards = session.createQuery(criteria).getResultList();

    for (CommonCards card : commonCards) {
      System.out.println(card.toString());
    }

This code generates two select statement

FIRST SQL

SELECT commoncard0_.card_number  AS card_number1_5_0_
      ,stipcards1_.CARD_NUMBER   AS CARD_NUMBER1_2_1_
      ,cardsexcep2_.CARD_NUMBER  AS CARD_NUMBER1_1_2_
      ,commoncard0_.bank_C       AS bank_C2_5_0_
      ,commoncard0_.bank_Id      AS bank_Id3_5_0_
      ,commoncard0_.card_id      AS card_id4_5_0_
      ,commoncard0_.CARD_NUMBER  AS CARD_NUMBER1_5_0_
      ,commoncard0_.centre_Id    AS centre_Id5_5_0_
      ,stipcards1_.CENTRE_ID     AS CENTRE_ID2_2_1_
      ,stipcards1_.Expiry_Date_1 AS Expiry_Date_3_2_1_
      ,stipcards1_.Expiry_Date_2 AS Expiry_Date_4_2_1_
      ,stipcards1_.stat_code_1   AS stat_code_5_2_1_
      ,stipcards1_.stat_code_2   AS stat_code_6_2_1_
      ,cardsexcep2_.ACTION_CODE  AS ACTION_CODE2_1_2_
  FROM COMMON_CARDS commoncard0_
 INNER JOIN STIP_CARDS stipcards1_
    ON commoncard0_.CARD_NUMBER = stipcards1_.CARD_NUMBER
  LEFT OUTER JOIN CARDS_EXCEPTIONS cardsexcep2_
    ON commoncard0_.CARD_NUMBER = cardsexcep2_.CARD_NUMBER
 WHERE (commoncard0_.card_id IN (?,?,?,?))
   AND stipcards1_.CENTRE_ID = commoncard0_.centre_Id

SECOD SQL

This second statement is generated when some record exists in to first 2 table but does not exists in to cards_exception table(entity).
number of query execution depends on how many record was not found in to cards_exceptions table.

SELECT cardsexcep0_.CARD_NUMBER AS CARD_NUMBER1_1_0_
      ,cardsexcep0_.ACTION_CODE AS ACTION_CODE2_1_0_
  FROM CARDS_EXCEPTIONS cardsexcep0_
 WHERE cardsexcep0_.CARD_NUMBER = ?

Please explain why does it happens?
What to change to fix the problem?