The credit card (debit card) is frozen and then cancelled. Bad information will be automatically deleted by the credit information system after 5 years from the date of settlement. Therefore, it is not that the credit card (debit card) is successfully cancelled, and the bad information is deleted together. After the card is cancelled, the bad record will be kept for 5 years, and users who apply for credit loan business within these 5 years will be affected by the bad record.

However, after five years, the bad records will be automatically deleted, so that the user's credit information will return to normal, and the subsequent credit loan business will not be affected.