Rural Commercial Bank’s personal credit report will not be checked during the annual inspection of the convenience card. The annual inspection is mainly to confirm the identity information of the cardholder and the validity of the bank card to ensure the security and normal use of the account. Personal credit inquiries are conducted when handling credit assessments such as loan and credit card applications, and are not part of the annual review. Therefore, Rural Commercial Bank will not check personal credit information during the annual inspection of the convenience card. Rural commercial banks, referred to as rural commercial banks, refer to commercial banks jointly established by local governments, rural credit cooperatives and other investors. The concept of Rural Commercial Bank is to serve the local economy and small and micro enterprises and promote the development of the local economy by issuing loans and providing financial services.