those who apply for the credit record at the credit card meeting.

The application and use of credit cards are strictly supervised by major banks. When applying for credit cards, banks will inquire about the applicant's credit information, and this inquiry record will be recorded in the credit information report.

if a person applies for a credit card frequently, there will be a record of frequent application for a credit card on his credit report. Because this inquiry record belongs to "hard inquiry", too many records will make credit information, which will also have an impact on future card and loan applications.

Extended information:

Generally, the application method is to fill in a credit card application form, which generally includes the applicant's name, basic information, economic status or income source, guarantor and its basic information. And submit certain copies of certificates and certificates to the issuing bank.

after the customer truthfully fills in the application form, he/she should submit the completed application form as well as the relevant credit certificate. The application form is accompanied by a contract for using a credit card. The applicant authorizes the issuing bank or relevant departments to investigate its relevant information, submit a statement on the authenticity of the information, the privacy protection policy of the issuing bank, etc., and must have the applicant's autograph.

Reference: Credit Card-Baidu Encyclopedia