1. It is difficult to apply for a credit card with a bad personal credit record, but many banks will decide whether to apply for a card according to the applicant's specific credit record, and many people can successfully apply for a card with a bad credit record; For example, there are only occasional overdue records in the credit history, and the arrears are paid back soon. At this time, most banks will still issue cards; If the applicant's credit history is overdue for many times, I believe no bank is willing to issue a card to the applicant.

2. When personal credit information is not good, we must first find ways to eliminate it and let the credit information be restored as soon as possible; If there is no way to recover, it can only be automatically eliminated after 5 years, that is, the time when bad records are eliminated after treatment. If it is not dealt with, then bad credit will always exist.

3. You can submit other materials to apply for a credit card with bad credit, which will increase the chances of bank issuing cards. The most important thing here is to submit property certificates, such as real estate information, bank running water, vehicle information, social security certificates, etc. It shows that the cardholder's repayment ability is good, and there is no need to worry about the applicant's non-repayment in the later stage.

1. Credit card application conditions: the applicant 18 years old, with full civil capacity, stable income and repayment ability, and most importantly, good credit information. These are the basic conditions. If you want to apply for a large credit card, you may need to submit other certificates and issue the card after meeting the requirements of the bank.

Second, the credit card application method:

1. official website applies, log in to the bank official website, and after entering the credit card center, you can see all kinds of cards, select your favorite type, and click Apply;

Bank counter, where you can submit more information through application. Generally, the card amount will be higher than that in official website, but it will take a long time to get the card;

3. Bank salesman. At present, many banks have salesmen who specialize in handling credit cards, and on-site service is very convenient.

Third, some bad credit records are permanently blacklisted. This means that you can never get a credit card, from the bank to 1 cent. Some bad credit records, after paying off the arrears in full (including late fees, interest and compound interest), have no overdue records within 5 years, and all bad records will be automatically cleared after 5 years. That is to say, you can't get a credit card in five years, but you can do it in five years. There are also some credit records that are completely fine, but you can't apply for a credit card.

Operating environment: China Merchants Bank version: 7.7.10.5 mobile phone version Huawei mate30 HarmonyOS system OS system.