You won’t be able to get a credit card in the short term. There is no way around it.

However, you can borrow a family member’s ID card to apply for a card, such as your wife’s or your parents’, and it’s not a big problem.

There are new domestic regulations on personal bad credit records. It seems to be kept for 5 years. You can apply again after 5 years.

A bad credit record will not follow a person for a lifetime. According to reports, in foreign countries, negative records are generally retained for 7 years, bankruptcy records are generally retained for 10 years, positive records are retained for a longer period, and inquiry records are generally retained for 2 years.