No.

1. Auditability: The initial review of Everbright Bank's credit card is conducted by the system of Everbright Bank's credit card headquarters. The content of the review generally includes the filling in of basic personal information, work certificates, income, etc. The purpose of the system review is to confirm whether the applicant meets the basic conditions for credit card application, rather than to check the credit score.

2. Stages: Everbright Bank credit card has passed the preliminary review stage, and the bank has reviewed the applicant’s basic information and assets, including basic personal information, work certificate, income, etc. If the information is incomplete, the bank will notify the applicant to complete the information. In the initial credit review stage of Everbright Bank's credit card review, China Everbright Bank did not conduct a strict review of the applicant's credit record.