The final audit of China Everbright Bank is generally to determine the credit card limit, and there is generally a telephone audit link. After your credit card has passed the preliminary examination, you must keep communication open, call back in time and answer questions truthfully. Never answer the wrong question. Otherwise, after you pass the preliminary examination, you will basically be rejected by China Everbright Bank. The final audit is to see if there are any bad records in your personal credit records in the personal credit information system of the People's Bank of China. You can check your personal credit records first. If it's good, you can get any credit card if you have a house and a car.