The bank that applies for a credit card (debit card) will check the credit report to understand the applicant's credit status in the past five years, including basic personal information, loan records, credit card (debit card) records, inquiry records, etc. They can all be found, but personal assets cannot be found, and they will not be checked.

After all, credit cards (debit cards) do not require collateral guarantees, and you can borrow money based on your credit. However, applicants can apply for a card through offline submission and proactively provide the bank with proof of assets in their name, such as real estate certificates, vehicle driving licenses, financial management receipts, etc., which can add points to credit card (debit card) applications.