As long as you apply for a credit card, there will be records, and the credit reporting center can check the application records.

Generally speaking, applying for a credit card once will leave a "credit card approval" record on your credit report, but whether you are rejected or approved will not be clearly pointed out.

Extended information:

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.

There are two ways for individuals to check their credit reports. First, when applying for a credit card or loan from a commercial bank, the bank will query the basic database of personal credit information, and the individual will take a look at his or her credit report. Second, you can inquire with the credit management departments of the People's Bank of China in various places.

Except for me, only commercial banks can directly view the user's credit report when handling loans, credit cards and other businesses and performing post-loan management, and commercial banks must obtain the user's written authorization in advance.

It is reported that starting from September 27, 2014, Fujian residents whose first two ID numbers are "35" can log in to the Personal Credit Information Service Platform of the Credit Information Center of the People's Bank of China to query their personal credit reports. .

The personal credit report is a credit file issued by the Credit Reference Center of the People's Bank of China that comprehensively reflects the status of the information subject's borrowing and repayment, compliance with contracts, and compliance with laws and regulations. The personal credit report objectively records and integrates the credit performance of the information subject, and reflects its credit status comprehensively, accurately and timely. It is the "economic ID card" of the information subject.

The People's Bank of China announced that in order to ensure the security of personal information, individuals who inquire about their credit reports through the Internet must undergo strict identity verification. Only authenticated individuals can register as query users. Currently, two verification methods, digital certificate and privacy question, are provided, and individuals can choose one of these methods for identity verification.

The reporter learned that after the personal registration application is submitted, the system will send the review results and verification code to the applicant’s mobile phone 24 hours later. If approved, the applicant needs to log in to the system within 10 days to activate, otherwise the registration information will become invalid.

It is reported that since Jiangsu, Sichuan and Chongqing became the first batch of pilots to check personal credit reports online in 2013, the central bank has launched online credit check pilots in other domestic provinces and cities six times. After this expansion of the pilot scope, 31 provincial-level administrative regions can now self-check personal credit information through the Internet.

Reference materials: Baidu Encyclopedia. Personal credit record

Reference materials: Credit Information Center of the People's Bank of China. "Answers to Questions about Credit Records"