Commercial banks can read your credit report when reviewing your credit application, but they must get your written authorization; If you are already a borrower of a commercial bank or hold its credit card, this commercial bank can also read your credit report, but you don't need your written authorization. Of course, you can also provide it to other banking institutions according to your own wishes.

In other words, the commercial bank wants to see the information provided by your credit card application in other banks, provided that you hold his credit card. Since the application has failed, other banks can't see it naturally, and because of the failure, the information at the time of application will not be uploaded to the personal credit report.

Extended data:

After receiving the application form and related materials submitted by the applicant, the issuing bank shall review the applicant's credit standing. The contents of the audit mainly include whether the contents of the application form are true, evaluating the credit degree of the applicant, and auditing the relevant information of the personal guarantor.

Usually, the bank will review the information and economic situation of the applicant according to the application materials to judge whether to issue a credit card to the applicant. The factors considered include the applicant's past credit record, the applicant's known assets, professional characteristics, etc.

The specific factors and process of the issuer's audit are trade secrets, which are generally difficult for the outside world to understand. Different card-issuing banks have different standards. Therefore, the same materials may have different credit lines and different types of credit cards in different banks, and even some banks will pass the examination and some banks will refuse to issue them.

Baidu encyclopedia-credit card

Baidu Encyclopedia-China People's Bank Credit Information System