Hello, generally bad records should be kept for about 2-3 years. Once you have a bad record, it is difficult to apply for a credit card, because banks are all connected to the internet now. As long as one bank has a bad record, all bank credit will be affected. If you owe less, you will be short, and generally there will be no consequences.

In order to test the severity of your bad record, you can go to other banks and try to get a credit card to see if the credit card center will reject your application if you provide the same information. If you approve this card, it doesn't matter.

In fact, when using a credit card, you'd better remember your bill date and the last repayment time, so as to avoid unnecessary trouble for your convenience. Only in this way can we use the card more happily and accumulate our own credit.