If you want to apply for a Everbright Bank credit card, you need to check your credit score. Credit card review requires a comprehensive assessment by China Merchants Bank, taking into account many factors, such as age, job stability, income, credit record, education, spending power, etc. Credit record is a very critical point. If there is a bad credit record, the credit card application will be rejected. Moreover, according to Article 40 of the "Measures for the Supervision and Administration of Credit Card Business of Commercial Banks", card-issuing banks shall establish and improve the credit review system for credit card applicants and clarify the management structure and internal control mechanism.