The credibility depends on how you use your card. Generally has nothing to do with consumption. The main thing is whether you pay back the money on time. As long as you pay back the money on time, your credibility will not be bad, but will increase, which is good for your future work and buying a house with money.

Generally, if you apply for this bank, the bank will give you accumulated credit. If your card is cancelled, this bank will not continue to accumulate it for you. If you do it in another bank, the other bank will start to accumulate it for you. They will submit your credit rating to the People's Bank of China. No matter where you go, your information will be available. When the bank applies for a credit card or pays for you, it will go there to check whether your record is good or bad, and this resource is shared by all banks.

So your credit is bad, and every bank will know. If your credit is good, the bank may lend you more money when you pay for the goods.