If your credit report is stained, you can apply for a credit card.

1. Age between 16-65;

2. If you do not have a job, you need to have deposits in the bank;

3. Provide proof of income, required Stamped by the company where you work;

4. ID card or work permit.

To apply for a credit card, you need to meet the above conditions. Banks will check the applicant's credit report with the People's Bank of China during review. If the credit report does not meet the conditions, they will reject the application. Does applying for a credit card affect your credit report?

Applying for a credit card does not affect your credit report. Only unsafe credit card use will affect your credit score, and the most common behavior is overdue credit. If you don't make late payments, no matter how many credit cards you have, it won't affect your credit score. Overdue repayment of a credit card is a breach of contract and will leave a "credit stain" in China's credit reporting system. Overdue repayment will not only affect your credit score but also cause legal disputes, and the cardholder will also need to bear high penalties and interest. However, if the cardholder's job or personal financial resources change, the information can be re-provided after three months.