Minsheng Bank’s credit card will check the credit report. When applying for a credit card, the personal credit report will be checked, and each credit card application needs to check the personal credit report. You cannot apply for a credit card if you have bad credit. However, if you already have a credit card from Minsheng Bank, and it is in good condition and has not been overdue, there is a certain probability that your credit will not be checked again when you apply for a second credit card, but the specific situation will be subject to the bank.