Usually, personal credit report consists of three parts: personal credit record, public record and inquiry record. When applying for a credit card, the bank will retrieve your personal credit report. This record will appear in the query record of the report, and the query reason will indicate the credit card approval, but it will not directly indicate whether it is approved or rejected.

However, in the credit record, all credit card account information and credit card issuance time will be recorded. Therefore, if another financial institution inquires about the report, it only needs to look at the inquiry record and the corresponding credit card account information to know whether the credit card application is approved or rejected.

If the credit card application is rejected, it will not directly affect personal credit, but it can reflect credit information from the side, especially the credit history of the first three months.

Extended data:

Precautions:

1. Everyone should take the credit card application form seriously. Although many items need to be filled in, but it is related to whether the card can be issued smoothly, we must pay attention to it, and the required items must be filled in. It is also best to fill in optional information. The more complete the information, the more favorable it is for banks to conduct comprehensive evaluation.

2. Pay attention to the return call: after the bank has passed the preliminary examination, it will call the applicant to verify the situation. If you miss the return call, or the reply is faltering, which is inconsistent with the information filled in, it is likely to be rejected. So after submitting the application, keep your mobile phone on, and then write down the return visit information.

3. Choose a bank that is easy to handle: If it is the first time to handle a credit card, it is best to choose a bank that is easy to handle.

Baidu Encyclopedia-Credit Card Application Form

Baidu Encyclopedia-Zheng Xin