1. Banks handling credit cards can only view the personal bank card journals submitted to them when submitting materials, and the other personal bank card journals cannot be viewed; To apply for a credit card, you need to check your personal credit record.

2. The personal credit report mainly records the overdue records of loans, credit cards or quasi-credit cards overdrawn for more than 60 days in the last five years;

3. Summary of personal credit records, public information and credit report inquiry records in recent two years. The inquired records generally show the reasons, methods and times of inquiry of the institution, as well as credit records, public records and inquired records.