1. You can apply for a credit card if your credit information is hacked. Before you apply for a credit card, you should know your personal credit status and related information such as mortgage and car loan. In the past, when users applied for loans, they would inquire about personal credit information. If they find themselves overdue, they can pay off their debts first, then make comments and investments within this scope, and then apply for a credit card again after this time.

2. Legal basis: Article 14 of the Measures for the Administration of Credit Information Business.

Personal credit reporting institutions shall report the collection, collation, processing and analysis of personal credit information to the information providers they cooperate with.

Personal credit reporting institutions shall standardize the contents of cooperation agreements with information providers. Information providers shall accept the risk assessment of personal credit information processing institutions and the verification of the People's Bank of China.

Article 20

The retention period of personal bad information collected by credit reporting agencies is 5 years from the date of termination of bad behavior or incident.

When the retention period of personal bad information expires, the credit reporting agency shall delete personal bad information in its external services and applications; As sample data, it should be anonymous.

2. What are the requirements for handling a credit card?

The conditions for handling credit cards are as follows:

1. The applicant must be at least 18 years old;

2. The applicant should have a work unit and a stable income;

3. The applicant's personal credit information should meet the requirements of the credit card center;

4. The applicant should have a fixed residence.