Every application, the bank will check it once, and every time it will leave a query record in the credit report. The reason for the inquiry is the approval of the credit card. In a short period of time, the credit report was inquired by many banks, and the most direct consequence was to spend credit information.
Credit cards are products of banks, which have been connected to the central bank's credit information system. So the credit card is overdue and will be collected at the meeting.