1. The process of applying for a credit card does not have much impact on credit reporting. However, if an individual frequently applies for credit cards at major banks in a short period of time, or repeatedly fails to apply for a credit card after successfully applying for one, Such situations will affect your personal credit report.

2. If there is an overdue behavior when using a credit card, it will have an impact on the credit report. Generally speaking, the overdue credit card record will be retained on the personal credit report for 5 years. If the overdue amount has been If it is not paid off, the record will be kept forever.

3. Using credit cards for illegal operations will also have an impact on your credit report. For example, if you use a credit card to cash out, if the bank discovers it, it will leave a bad record on your credit report.

Ordinary personal credit reports include all credit cards under the individual's name, loan usage, whether it is overdue, etc. When applying for a credit card or loan, the bank or lender will check the personal credit report, focusing on whether there are any overdue repayments in the personal credit report to assess the applicant's repayment ability and personal credit.

Credit records are records of credit card monthly repayments, whether they are overdue, and the number of days overdue. However, there are no specific consumption records. Cardholders do not need to worry too much as long as they do not repay overdue payments. and worries.