Rejected records for credit card applications are generally overwritten after 2 years and will be eliminated after 5 years. Credit reports are only updated once every 5 years, so it will take 5 years for a rejected credit card application to be cleared. eliminate. Nowadays, credit card applications are reviewed through a comprehensive system assessment, taking into account the applicant's age, job stability, income, personal credit and other aspects. Records of credit card application rejections will not necessarily have a negative impact on your credit report, but if such records appear frequently in a short period of time, it will have a negative impact.

For banks and other financial institutions, if borrowers frequently apply for credit cards in a short period of time, it will increase the risk of lending and increase the probability of being rejected. Under normal circumstances, it is best to keep the number of card applications within 3 times per month.

What are the requirements for applying for a credit card?

① The applicant is between 18 and 60 years old and has full capacity for civil conduct.

② The applicant has a fixed workplace, a stable source of income, and the ability to repay the loan.

③Personal credit records need to meet the requirements of the card application center. Only applicants with good personal credit status will have the opportunity to apply for a credit card.