It's useless If the credit card is not successfully processed, there is no condition for the contract to take effect, so the contract is not established. The credit card handling agency will handle the credit card for the handling personnel according to the agreement, and the credit card contract will take effect. And the credit card was unsuccessful. Banks will destroy them regularly. Credit card refers to various media that record the relevant information of the cardholder's account, have the function of bank credit line and overdraft, and provide relevant banking services for the cardholder.