Five years. The ICBC credit card blacklist is generally kept for five years and will be automatically eliminated after five years after the debt is paid off. Then continue to use it for 24 months, covering the negative records with good records. Blacklist data is retained in the central bank's personal credit system for seven years, and particularly serious and obviously malicious negative information such as bankruptcy is retained for ten years.

Extended information:

China Merchants Bank was established in Shekou, Shenzhen in 1987. It is the first joint-stock commercial bank in China that is completely owned by corporate legal persons, and it is also the national The first pilot bank to promote banking industry reform from outside the system.

Since it was first shortlisted for the Fortune Global 500 in 2012, it has been shortlisted for seven consecutive years. In 2018, it ranked 213th on the Fortune Global 500. [5-6] On June 26, 2019, eight banks including China Merchants Bank were among the first to launch the online corporate information verification system.

The head office of China Merchants Bank is located in Futian District, Shenzhen City. On April 9, 2002, China Merchants Bank A shares were listed on the Shanghai Stock Exchange. On September 8, 2006, China Merchants Bank began a public offering in Hong Kong, issuing approximately 2.2 billion H shares, raising HK$20 billion, and was listed on the Hong Kong Stock Exchange on September 22.

The net capital exceeds 290 billion and the total assets exceed 4.4 trillion. As of the first half of 2017, China Merchants Bank has more than 1,800 branches at home and abroad, has established service outlets in more than 130 cities in mainland China, has 5 overseas branches and 3 overseas representative offices, and employs more than 70,000 people.

In addition, China Merchants Bank also wholly owns China Merchants Bank Financial Leasing Co., Ltd., controls China Merchants Fund Management Co., Ltd., holds 50% equity in China Merchants Cigna Life Insurance Co., Ltd., and 50% equity in China Merchants United Consumer Finance Company. ; Wholly-owned holdings of Wing Lung Bank Co., Ltd. and CMB International Financial Holdings Co., Ltd. in Hong Kong.

Personal credit reporting refers to the activities in which personal credit reporting agencies established in accordance with the law collect and process personal credit information and provide personal credit information inquiry and evaluation services according to user requirements. A personal credit report is a personal credit history record that the credit reporting agency collects in accordance with the law, processes and organizes it in accordance with the law, and finally provides it to legal information inquirers in accordance with the law.

When a credit reporting agency or information provider receives an objection, it shall mark the relevant information as objectionable in accordance with the provisions of the credit reporting industry supervision and administration department of the State Council, and conduct verification and verification within 20 days from the date of receipt of the objection. Process and respond to the opponent in writing with the results.