When applying for a credit card, the bank will definitely check your credit report during the application process.

Because credit cards are generally issued by formal banks, and formal banks are definitely related to the central credit system, so when everyone applies for a credit card,

First of all, the bank will check the applicant's credit record during the application review process. If the credit record is good and the applicant has the corresponding repayment ability, the success rate of applying for a credit card will be relatively high.

Of course, if there are overdue and illegal operations in the credit record, but the circumstances are not very serious, and you submit a certificate that can prove your repayment ability during the process of applying for a credit card, then you can also apply for it. Credit card. If your credit record is very poor, then the possibility of applying for a credit card is very low.

Reasons for banks to check credit:

1. Understand basic personal information. You can check the credit score to find out the age, job, mobile phone number, marital status, etc. of the card applicant. These are one of the reference factors for card approval.

2. Understand personal debt situation. The credit report will record the loan and credit card information of the card applicant. The debt ratio of the card applicant can be calculated from the relevant limit, and then combined with his income to determine whether the cardholder has the ability to repay. Usually the debt ratio exceeds that of an individual With an income of 70, it is not surprising that the bank rejected the card. It is obviously due to insufficient repayment ability.

3. Understand personal integrity. In fact, it is based on historical repayment status to determine whether the applicant is an honest person. After all, credit card overdrafts must be repaid. No matter how high your income is and how strong your financial strength is, but you have had previous loans or credit card overdue records, the bank may think you are not willing to repay, and your card may be rejected. .