Ask which bank your foreign credit card belongs to first, and then call the bank's complaint number and ask them to find out the truth. If the card is opened without your consent, ask them to call PBOC immediately to eliminate your bad record.

Second, explain the situation to the lending bank. Generally, such a small amount of bad records will not be recorded after two years. Whether I can continue to give you a loan.

For the bank that opens the card without your consent, you can complain to the banking supervisor and ask them to compensate for the matters that affect your credit history and your loan.

The above is for your reference. Good luck.