When approving credit cards, every bank first looks at credit records. If the credit record is not good, it will leave a very bad impression on the auditor and basically will not pass the audit. Even with luck, the credit line is very low.

Applying for installment payment has nothing to do with credit history, as long as the total amount of installment you apply for is higher than the minimum installment limit of the bank and the merchant or commodity allows installment.

Generally, when applying for a credit card, banks will only refer to the credit records of the last two years, but this does not mean that your bad credit records were cleared two years ago. The credit information system of the People's Bank of China will keep bad credit records for seven to ten years according to the situation.