When applying for a credit card, there will be a query record of credit information. Online loans may also query credit information, so you will have a lot of credit information query records. Generally, the application record will not have much impact if it exceeds 3 months. The application will be rejected. There will only be inquiry records, but no credit card records, so there is no liquidation

China's credit records show the monthly repayment information for the last 24 months from the inquiry date, from which we can see the payment within 24 months. In which month and year the bad records were overdue? Records older than 24 months will no longer be reflected on a monthly basis, but will be kept for 5 years. Generally, banks only check personal credit information for the previous 24 months. If there are no bad records in the past 24 months, it should be fine.

Personal credit reports generally consist of three parts: personal credit records, corporate records and inquiry records. When you apply for a credit card, the bank will retrieve your personal credit report, which will appear in the inquiry history of the report. The reason for the inquiry will indicate credit card approval, but will not directly indicate whether it was approved or rejected. However, in the credit record, all credit card account information and the time the credit card was issued will be recorded. Therefore, if another financial institution queries a statement, it only needs to check the query record and the corresponding credit card account information to know whether the credit card application was approved or rejected. If your credit card application is rejected, it will not directly affect your personal credit, but it can reflect credit information from the side, especially the credit information records in the previous three months. Extended data: Notes:

1. Everyone should take the credit card application form seriously. Although there are many items that need to be filled in, they are all related to whether the card can be successfully downloaded, so be sure to pay attention. Required fields are required. It's also a good idea to fill in the optional information. The more complete the information, the more conducive it is for the bank to conduct a comprehensive evaluation.

2. Pay attention to call back: After passing the preliminary review, the bank will call back to the applicant to verify the situation. If you miss a call back, or stutter when replying, or if it is inconsistent with the information you filled out, you are likely to be rejected. So, after submitting your application, keep your phone open and write down your return visit message.

3. Choose a bank where it is easy to get rid of the card: If this is the first time you apply for a credit card, it is best to choose a bank where it is easy to get rid of the card