Rejection of credit card application has no effect on credit investigation. Generally, only loans overdue and overdue credit cards will have a negative impact on credit reporting.

After the bank's application for a bank card is rejected, it will not affect you personally. You just leave a refusal record in the bank, and it will not affect your personal credit record in the central bank. There will be some gaps in the audit standards of each bank, and users can apply for credit cards in other banks.