You can't. When handling a credit card, the bank will examine the applicant's personal qualifications (age, income, assets, etc.). ) and personal credit records, and decide whether to approve the application and the applicant's credit card limit according to the audit results. After the review, the business card is made and activated after the user gets the card. At this time, the bank has checked the applicant's credit and will not repeat the inquiry.

How long does it take to eliminate the bad record of overdue credit card?

After the customer pays off all overdue debts, the bad overdue records on credit information are generally kept for at least 5 years before being deleted by the system. If the user fails to pay it back within the time limit, the overdue record will remain in the credit information, and there will be serious bad information such as "three times and six times". If users want to eliminate the overdue records on credit cards as soon as possible, they must pay off their debts quickly after discovering that their credit cards are overdue, and don't delay any more. Moreover, when paying off debts, users should repair damaged credit and establish a good credit record, which is helpful for users to handle new credit business.