Credit card credit review refers to the review of the materials and credit information submitted by the applicant. The card issuer decides whether to issue a card to the applicant based on the applicant's credit information and whether to require the applicant to provide a guarantee and Guarantee methods, etc. For the purpose of determining whether the user's credit card application is approved or for subsequent risk management, once it is determined that the application has passed the review and the bank is authorized to issue the card, Bank of China will retain the user's information. Disadvantages of bad credit

1. You can no longer go to the bank to apply for a loan. If an individual has a bad credit record, it is almost impossible to go to the bank to apply for a loan. It's impossible, because every bank will have everyone's credit record;

2. If the user's credit is not good, he will no longer be able to apply for a bank credit card. If he cannot apply for a credit card, it may affect people's daily life. Consumption has a certain impact;

3. If the user's credit is not good, it will be recorded in the credit reporting system, and people will encounter various obstacles when traveling by plane, high-speed rail and other means of transportation. will also be troubled.