Credit cards with poor credit reporting in 2022 include Shanghai Pudong Development Bank and Bank of Tianjin.

After all, credit citations are mostly caused by multiple applications for credit cards or loans in a short period of time, resulting in frequent inquiries from banks or financial institutions. Having fewer banks seems to be a sign of poor credit reporting. Banks will think that these types of card applicants must be short of money recently and may have poor financial capabilities, because they are afraid that they will not be able to repay the credit card. Due to risk considerations, they may not approve the card, and even if they are approved, the credit limit will not be very high. , the probability of approving a large amount of credit card is even very low. If you want to apply for a large credit card after a credit investigation, the bank must let the bank know the financial strength and repayment ability of the card applicant if it is not overdue.

Personal credit reporting refers to the activities in which personal credit reporting agencies established in accordance with the law collect and process personal credit information and provide personal credit information inquiry and evaluation services according to user requirements. A personal credit report is a personal credit history record that the credit reporting agency collects in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to legal information inquirers in accordance with the law.