It is definitely difficult to apply for a Everbright Bank credit card if you have a bad credit report, because when applying for a credit card, the bank mainly examines the two points, one is your repayment ability, and the other is your credit status. The most important way to check your credit status is to check your credit report. If there is an overdue credit card or a black account, the bank will definitely not be willing to give you a credit card in order to avoid risks. However, if you have a strong repayment ability, you may still be able to apply, but the limit will be very low or even non-existent.