Credit card can be cancelled after application, so you can cancel it if you don't want it after application, but this kind of thing should not happen often. If you do this frequently, it may affect your credit rating.

1. Credit card: Credit card, also called debit card, is a credit certificate issued by commercial banks or credit card companies to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

2. Conditions for applying for a credit card: Three prerequisites: at least 18 years old, with valid identity documents and no bad credit record. Basically meet these three conditions, it is not a problem to apply for a credit card. Materials such as fixed work and financial proof will increase personal credit limit, but they are not essential materials. As long as you bring your ID card before 18-65, you can apply for a credit card at the bank. Many banks also have online application channels. You don't even have to go to the bank, just operate online.

3. Corporate credit reporting and personal credit reporting: Corporate credit reporting is mainly an institution that collects corporate credit information and produces corporate credit products; Personal credit investigation is mainly an organization that collects personal credit information and produces personal credit products. In some countries, these two types of businesses are completed by one institution, and in some countries, they are completed by two or more institutions respectively, or in a country, there are both institutions engaged in personal credit investigation and institutions engaged in both personal and corporate credit investigation business types, which are generally not restricted and are decided by the credit investigation institutions independently according to the actual situation. In the United States, credit reporting agencies have three main business models:

(1) Capital market credit evaluation agency, whose evaluation targets are stocks, bonds and large-scale infrastructure projects;

(2) Commercial market evaluation agencies, also known as enterprise credit service companies, are oriented to all kinds of large, medium and small enterprises;

(3) Individual consumer market assessment agencies, whose credit reference object is individual consumers.