The so-called credit card big data is actually similar to the familiar central bank credit data, which records the user's credit card usage. The biggest difference between the two is that the central bank's credit data is officially recognized, while the credit card big data is private. However, now more and more banks will check the big data of users' credit cards in the process of reviewing credit cards, so as to understand the credit situation of users in all aspects. At this time, if the user's credit information is good, but the credit card big data has bad records such as overdue and credit card cashing, it will also lead to the rejection of the card. Therefore, credit card big data plays an important role in the process of credit card application. In order to improve the success rate of credit card application, it is best to check your credit card big data through the official account platform of WeChat-Card Help before submitting the application. Online loan big data is mainly a large database that records the user's loan behavior and loan application history, and the records of the two are different.