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Excuse me: when handling credit cards, banks should check the credit report. What information can banks see about individuals? You can see that there used to be several credit cards with each letter.
Yes, banks can see all the information, including personal loans, overdue debts and so on. However, only banking institutions can see when approving credit cards, loans and post-loan management, and others can't find credit information without their authorization. Now the details of the credit report can also be inquired by individuals. With my ID card, you can find it in the business hall of the local bank.

Extended data:

Banks are financial institutions established in accordance with the law to operate monetary credit business, and they are the products of the development of commodity monetary economy to a certain stage. Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities.

Central Bank: China People's Bank is the central bank of China.

State-owned policy banks: including The Export-Import Bank of China, China Agricultural Development Bank and China Development Bank. ? [ 1]?

State-owned commercial banks: including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, China Postal Savings Bank and Bank of Communications.

Investment banks: including Goldman Sachs, Morgan Stanley, Citigroup, Wells Fargo, UBS Group AG, Societe Generale, etc.

World Bank: It is used to help countries overcome poverty. Various institutions play a unique role in alleviating poverty and improving living standards.

Reference: Baidu Encyclopedia-Bank