This situation usually does not directly affect your credit report.

During the process of applying for a credit card, the bank will conduct a credit assessment, which will not directly lead to changes in the credit record.

However, please note that if you apply for a credit card online and do not use the card for a long time, the credit card may leave a record in your personal credit record, thus affecting your credit. If you frequently apply for credit cards online, you may be considered a credit risk by the bank, which will affect subsequent credit card applications.