Of course there is a way. If a bank has a credit card or a loan customer who defaults for more than a certain period of time, it will be included in the personal bad credit record of the credit information system of the People's Bank of China. When handling loans and accepting credit cards, banks will print the applicant's credit report as the basis for whether to approve the application. If there is a bad record, all banks and credit institutions will stop accepting their loans and credit card business.

Credit card, also called debit card, is a credit certificate issued by a commercial bank or credit card company to eligible consumers. It is a card with name, expiration date, number and cardholder's name printed on the front, and a magnetic stripe and signature strip on the back.