After applying for a credit card, the banking system will keep records for a period of time (usually two years) and cannot actively eliminate them. Detailed reasons:

Credit card application review is comprehensively evaluated by the system, and there are many reference factors, such as work, income, stability and personal credit, which are not determined by unilateral factors;

If the information attached to the application fails to fully show personal information, the application will be rejected. In addition, the domestic personal credit information system is not perfect, and all banks pass internal evaluation when reviewing credit cards, and the standard setting will be different;

Because the credit standard and scoring standard are confidential within the bank, the risk-related factors cannot be announced to the public, so you can call the bank customer service to ask for re-inspection.