You can't handle credit cards and various personal loans in any domestic bank.

Now as long as you apply for a credit card, you have to check your credit report in the credit information system of the People's Bank of China. At present, the people's bank system is divided into three levels: normal, concerned and prohibited.

Normal-you can handle all kinds of loans and credit cards for them.

Attention-in principle, they can't be provided with various loans and credit cards, but they can be handled with the signature of the authorized person (signed by the head of the credit card department or the president in charge).

No-banks are not allowed to handle all kinds of loan business (including handling credit cards).

Attention level will automatically return to normal after 5 years.

The disabled level will automatically become normal after 8 years.