When applying for a corporate bond card, the applicant's credit information will be checked, because if the credit information is not good, it is impossible to apply for a corporate bond card.

However, unless there are particularly serious overdue records, such as three consecutive years, occasional overdue records or discontinuous overdue records, it will not affect the application for corporate debt business cards. Of course, the auditing standards of each bank are different, and the regulations of the bank shall prevail. Users should keep repayment records before applying for corporate debt-bearing business cards, which can effectively help users maintain their personal credit.

The "bad behaviors" recorded in the personal credit information system mainly include: failure to repay the loans overdue, insufficient repayment, withdrawal by credit card or failure to repay the loan after consumption, etc.