How to delete credit card approval records? Everyone should know that when you apply for a credit card and your credit is checked, a credit card approval record will be left in the credit inquiry record. If you later apply for a credit check, the financial institution will infer the loan application based on the number of times the record was checked. frequency to determine the borrower’s financial stress and repayment ability. For example, if there are many credit card approvals and they are all concentrated at a certain time, such as three records in one month, five or more records in three months, and eight records in half a year, it means that the borrower applies for loans more frequently. It is very likely that funds are tight and there is an urgent need for cash flow, so the repayment ability may not be very good and the loan may be rejected. Even if you are rejected, the credit card approval record on the credit report will not disappear immediately. It must be kept for at least 2 years, because only the inquiry records of the past 2 years will be displayed on the credit report. If the credit card application is successful, in addition to leaving an inquiry record, it will also be displayed in the credit record. This record cannot be deleted no matter how long it takes, and it will be kept even after the credit card is cancelled. Unless there is an overdue record during the period, it will be eliminated 5 years after repayment. The above is the relevant introduction to "How to delete credit card approval records". The last thing to remind is that any record on the credit report does not support manual erasure, so don’t be deceived by the so-called spending money to eliminate bad records. Losing money is a small matter, but having your information deceived is a big deal.