You can apply for a credit card because you have no bad record and have the ability to repay. In daily life, whether you are applying for a credit card or a loan, banks or financial institutions generally check the applicant's personal credit record before lending money in order to ensure the safety of their own funds and understand the user's qualifications. If there are too many overdue credit records, the loan will be directly rejected. In other words, every time you apply for a credit card loan, you will leave a query record. If there are too many records, your credit report will be in trouble. Under normal circumstances, if a user has too many query records in a short period of time, it indirectly indicates that the user has experienced recent economic abnormalities and has a high risk of overdue payment. Therefore, banks or financial institutions will refuse to issue loans under such circumstances.

To successfully apply for a credit card, applicants must generally be between 18 and 60 years old, have a stable job or source of income, and have good credit. Why can I still apply for a credit card with a poor credit score? The following may be the reasons:

1. It is overdue for a long time

When applying for a credit card, banks usually only check the applicant’s credit history in the past two years. As for the credit report, if the borrower's overdue records are all from two years ago, it will have little impact on the current credit card application.

2. The applicant has a strong repayment ability

Credit reference is one of the important factors in credit card approval, but it is not the only factor. The bank will also consider the applicant’s job stability, Income, assets and other information can be used to make a comprehensive assessment.

If the applicant works in a relatively stable company such as a state-owned enterprise, a public institution, or a Fortune 500 company, and has a high and stable income, or often handles business at the bank, such as purchasing financial products, bonds, and applying for a card. There is a lot of banking business, and the bank may lower its credit requirements for applicants.

3. Cognitive errors

Many people think that having overdue records on their credit report means that their credit report is very poor. In fact, as long as there are no consecutive bad credit reports in the past two years, If you are overdue, you are not considered a credit violator, and there is still hope for applying for a credit card.

If netizens think, "Why can I still apply for a credit card if my credit report is poor?", it may actually be due to their own misunderstanding, or their ability and willingness to repay can still meet the bank's requirements. The risk is relatively small and banks are willing to approve the card.