if it is a credit card of China merchants bank, according to the regulations of the people's bank of China, all card-issuing banks are required to upload the customer's consumption and repayment records on a regular basis and cannot tamper with them. If we have used our credit card before, we will not make any bad comments on the use record, but only truthfully feedback the historical use record without any subjective judgment. 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 events; If it has been more than 5 years, it shall be deleted.

when handling new business, relevant departments will generally give priority to recent consumption and repayment records.