Robby
It depends on your type of players, specific...players with a high attribute called 'Dirtiness' causes this. Many FM players think that a high Aggression leads to many yellow and red cards, but that's not correct. Jayhuahua on YouTube once conducted an experiment (with FM23) with players who have 20 aggression and 1 dirtiness, and players with 1 aggression and 20 dirtiness. 20 aggression almost never resulted in a yellow card in a season, while 20 dirtiness resulted in almost one card per match. Search on YouTube for 'Is Aggression Good or Bad? Football Manager 2023 Experiment.' to see his experiment.

'Dirtiness' is a hidden attribute you can’t find that in the attributes (unless your using the ingame editor of Genie scout) but you can reveal it with scouting reports and coach reports.

These are the things you can do (in the short and long term) to prevent getting too many cards:

Short term:
• If you're playing against a weaker team, remove the 'Get stuck in' option from your tactics. Note that you can also assign this option individually to players within your tactics so don’t forget those.
• If you're leading by 2 goals during the match, remove the 'Get stuck in' option. Scoring more goals is unnecessary at that point; focus on finishing the match (unless you need to work on goal difference for promotion or similar reasons).
• Ensure that, in addition to your main tactic, you have a secondary tactic that concedes less goals and doesn't include 'Get stuck in.' Choose one with the same formation or one that your current starting eleven can easily adapt to without substitutions.

Longer term:
• Always scout a player before buying them. 'Dirtiness' is a hidden attribute, so you won't see it at first glance. When considering signing players, if you read something like 'a competitive streak' in a scouting report, you'll know that they have a high 'Dirtiness' rating.
• Also, check a player's stats before signing them. If they consistently receive many cards in a season, you'll know their 'Dirtiness' is high. You can also assess the ratio of yellow cards to fouls committed. If this ratio is high, their 'Dirtiness' is also high.
• Look at your own players' coach reports. If it mentions 'a competitive streak,' that's a sign to be cautious. Make sure you don't have too many players like that in your team!
• If you have a youth player with many yellow cards or 'a competitive streak' in the coach report, ensure they have a mentor with a good personality. Don't loan them out; keep them within your team and try to reduce their 'Dirtiness.'
• Ensure that your head of youth development doesn't have a high 'Dirtiness' attribute, as they will pass this on to new youth players. The personality of the head of youth development also determines the types of personalities that come from the youth academy.

I don't know what decisions does to yellow and red cards despite the dirtiness rating. maybe something to test. Decisions could be involved in this higher decisions perhaps mean less dumb tackles that causes a booking. but I haven't seen any testing results on the web about that. maybe something to test when I'm on summer holiday and have more time.

hopes this helps a bit for you and perhaps others.