If you borrow money from a bank or apply for a credit card, then the bank needs to know who you are; Need to judge whether you can repay on time; Have you ever borrowed money before? Is there any record of not paying back the money?

Credit investigation refers to specialized credit information service. In order to make it easier for people to borrow money, everyone's credit information is collected through third-party institutions and provided to you and credit institutions when necessary.

What we are talking about now is that when applying for a credit card, the bank will check the applicant's credit history. It is understood that banks have different standards for the impact of bad records on credit card approval. Some banks can approve as long as there is no immediate debt or no overdue; Some banks can't have bad records in the past three years.