If you want to know whether you have operated a credit card, you can go directly to the local bank counter to check or directly log in to the official website of the Credit Investigation Center of the People's Bank of China to check. All credit cards applied by users in the credit investigation are recorded , credit card overdue repayment records will also be recorded.

Credit cards can usually be applied through different methods such as bank counters and bank homepages. When applying on the bank homepage, you can quickly obtain a credit card. However, when applying, submit the following requirements: The information specified by the bank must be ensured when applying for a good personal application. If the application is bad, the bank will directly reject it.

Users can activate and use the credit card after obtaining the application, but the use must be completed gradually and the limit cannot be completed at one time. Otherwise, the user can activate the application. , the bank will be deemed as cashing. It is very detrimental to the subsequent use of credit cards. New card purchases must be made gradually.

Credit cards cannot expire when repaying. Penalties will be incurred after overdue repayment. The longer the time, the greater the fine. More. In addition, late repayment of credit cards will affect personal credit investigation, and bad credit investigation will affect the processing of various loans. It should be noted that after overdue repayment, the record will be kept in the credit investigation for 5 years.