You can also apply for a credit card if your credit information is not good, but the probability of passing is lower than that of ordinary people, because whether your credit information is good or not is an important indicator for banks to refer to; In the case of light bad credit records, individual banks will issue credit cards. In this case, the credit card quota will be relatively low, but it can be increased through good use habits in the later period. The first thing to do is to repay on time and not overdue.

If the credit card you are using causes poor credit reporting, you'd better pay off the overdue debt, continue to use the credit card for 2 years, and repay it on time within 2 years, so that you can use the new record to cover the original record, and it will be very easy to handle the credit card in the future. However, according to the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or events; More than 5 years should be deleted.

In fact, in addition to not being able to apply for a credit card, poor credit reporting will also be restricted in many aspects. For example, when applying for a housing loan, you need to check the credit reporting, and the bank will refuse to lend if the credit reporting is not good; When you apply for a car loan, you also need to check your personal credit information. If the credit information is not good, you can't get a loan. Moreover, some companies also check personal credit information when recruiting. In short, bad credit information will cause many problems, so we must protect personal credit information in peacetime.