Hello, if you are applying for a credit card, the bank will check your personal credit record.

The People's Bank of China stipulates that all card-issuing banks must regularly upload customers' consumption and repayment records and cannot tamper with them. The bank will not make any negative comments on your usage records. It will only give you honest feedback on your historical usage records without any subjective judgment. If you subsequently apply for a credit card loan, the bank will comprehensively refer to your credit record, not just for a certain period of time. If you can maintain a good consumption and repayment record, your credit will continue to increase.