Under normal circumstances, applying for a credit card will not affect the user’s personal credit report. However, there are three situations in which applying for a credit card will affect the credit report:

1. Apply for a credit card but don't use it. Because credit card processing records will be synchronized to the user's personal credit report, if you apply for a credit card but do not open it or use it for a long time, most banks will consider this behavior to be a malicious card application, and will be included in the credit report. It shows that the card is not activated, and it will be difficult to apply for a new card later.

2. Credit card repayments are overdue. If a user makes late repayments for a long time after applying for a credit card or fails to repay, it will have a great impact on the personal credit report.

3. Too many credit cards. The total credit limit of a cardholder is basically stable. Each time you apply for a credit card, it is equivalent to using part of the total credit limit. If you apply for too many cards, it will be more difficult to apply for a new card. Even if you can apply for it, the limit will be reduced. relatively low.

Note:

1. Overdue and breach of contract records: Overdue records are the most serious bad records. Overdue means that the cardholder has no willingness or ability to repay, and continuing to extend credit will bear huge risks, so it is wise not to apply for the card in the first place.

The overdue records in the "Information Summary" indicate that you have been "three in a row and six in a row" (overdue for 3 consecutive months and more than 6 overdues within two years), which is a very serious overdue breach. This may This will cause all credit card applications and loan applications to be rejected immediately for at least 3-6 months. After all overdue debts and corresponding interest are paid off, the record will continue to follow this "credit report" for 5 years. The relevant information recorded for each credit card in the "Credit Transaction Information Details" mainly looks at how many overdue items there are. If "1" and "2" appear on many credit cards in the past 3-6 months, then the card can be debited. It's difficult. In short: the more overdue items you have, the worse your credit will be, and the harder it will be to get a card.

2. Credit and liabilities: Credit line refers to the credit overdraft line provided to you by a financial institution based on your current credit level. It is a personal credit asset. The level of credit limit represents the overdraft limit granted by the financial institution to your credit. Although the limits of each institution are independent, they add up to the total credit limit. This is also the new banking institution's decision on whether to grant you a new credit limit. key points in making judgments. Don't apply to too many banks to avoid having too high a credit limit. If you want to apply for a card you just need, you may be rejected because the total credit limit is too high.

Liabilities refer to overdraft consumption or amounts payable that you have incurred, such as the amount of overdraft consumption on credit cards, the unpaid amount of mortgage and car loans, etc. The debt ratio needs to be maintained at a reasonable level. If the debt is too high, the risk of insolvency will increase, and the risk of overdue debt will follow; if the debt is too small, it means low consumption ability and low willingness to consume. Maintaining reasonable debt can not only show that you have a higher consumption level, but also create more revenue opportunities for banks such as bill installments.