You can go to the local people's bank to check personal credit records, call the credit card customer service hotline of the credit card issuer to check the overdue status of credit cards, hold the credit card to check the overdue status of credit cards at local bank outlets, and check the credit card arrears on your own online banking. After inquiry, the credit card has no overdue status, indicating that the credit record is good.

There are advantages and disadvantages to getting a credit card. The advantage is that it saves the trouble of carrying cash. Credit card consumption avoids the trouble of paying cash in the past. You don't have to worry about the danger of carrying too much cash with you. You can also spend it first and then pay it back. It is helpful when the user's capital turnover is insufficient. The disadvantage is that if you don't repay on time, it will affect your credit.

In addition, after handling a credit card, you must pay attention to repayment on time, which is the most important place to use a credit card. As long as you repay on time and develop good repayment habits, you will not defile your personal credit report.