Credit card usage will indeed be recorded in the credit reporting system, but the recorded content is relatively limited. The credit reporting system mainly focuses on personal repayment behavior, especially overdue situations. If you can repay your loan in full and on time every month, even the minimum payment will usually not show the specific details of your consumption in your credit report. Repayment information will not be directly displayed in personal credit records, only overdue repayment records will be recorded.

Credit reports are not updated in real time. Banks usually update the report when there are major changes in the account, such as credit card limit adjustments or expected repayments. This means you may have to wait a while before you see the latest status of your account reflected on your credit report.

The personal credit reporting system is mainly used by consumer credit institutions to evaluate personal credit. The information it records mainly includes identification, loan history (such as loan bank, amount, repayment record, etc.), credit card information (such as card issuance record) Bank, limit, repayment status) and public sector information (such as arrears, payment records, etc.). The data provides a comprehensive view of an individual's credit profile, but not every transaction is immediately reflected in the report.