The application review of China Merchants Bank's credit card is comprehensively evaluated by the system. If there is a serious overdue record, it may not pass the application review.

The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. When you handle new business, the relevant departments will generally give priority to recent consumption and repayment records, and suggest that you repay on time and keep repayment records.

(Reply time: 2065438+September 4, 2009. Please refer to the latest business changes announced by China Merchants Bank in official website).