However, as long as the credit card is approved, whether it is opened or not will be recorded in the cardholder's personal credit information system, and it will have an impact if you want to apply for a bank credit card in the future. When approving a credit card application, the bank will check the applicant's personal credit report. If this kind of sleep card is shown too much in the report, banks will consider the needs or integrity of cardholders, which will reduce the success rate of credit card approval to some extent.