Credit card investigation is the process that credit card issuing banks examine the credit records of applicants, and the data obtained by credit card issuing banks are all records from the database of the People's Bank of China. The purpose of the bank's credit investigation is to judge whether the applicant will repay the loan on time, and this judgment is based on the applicant's previous credit card use records and repayment, overdue and other related records. For example, cashing out and forging application information as bad credit records will have a great impact on the bank's credit reporting results.

if you need to check your personal credit status, you can go to the local China people's bank branch or credit center, or check it through the website of the credit center of the people's bank.