It is possible to apply for a credit card with poor credit, but the probability of passing is lower than that of ordinary people. Whether the personal credit report is excellent is only one of the main values ????for bank reference. When the personal credit investigation record is relatively small, some banks may issue bank credit cards, but the bank card limit will be relatively low, but the credit limit can be passed. Later, users will improve their good usage habits. When using a credit card, users must ensure that they repay the loan on time and cannot be overdue. The above is the relevant content about whether I can apply for a credit card if my credit report is not good. How to restore personal credit

1. Repay on time: After paying off the loan, the user needs to maintain a good personal credit record for a long time, and it will be automatically cleared after 5 years;

2. Explain to the bank before the loan is overdue: Many overdue loans do not mean not to repay intentionally, but forget the repayment date. After discovering that the loan is overdue, users need to contact the bank and loan service platform immediately to indicate that it is not the case. If you intend to overdue the loan and pay it off immediately;

3. Raise objections to the bank: Overdue loans are not necessarily caused by personal reasons, it may also be due to personal information being spoofed or an error in the bank system. If users find errors in their personal credit records, they need to raise questions immediately;

4. Clear bad debts immediately: Users should clear their personal bad debts immediately, and after paying off, keep good personal credit records for a long time. How to buy a house with poor credit

1. Bank credit card records only show the status of the last 24 months, and past records cannot be found. Therefore, do not cancel the credit card after creating a bad record. As long as you use the credit card every month in the next 24 months and repay it on time, the bad record in the past can be covered;

2. Banks are also user-friendly. As long as the records are not uploaded into the system and users actively contact financial institutions, explain the reasons and adopt reasonable countermeasures, financial institutions will usually assist users in eliminating poor personal credit records;

< p> 3. The People's Bank of China generally only stores personal credit records for 5 years. Therefore, as long as the user has no bad records within 5 years after the bad record occurs, the People's Bank of China system will also delete the user's bad record. Credit history.

This article mainly writes about the knowledge points about whether you can apply for a credit card if your credit report is not good. The content is for reference only.