1. Overview:
The new credit report of the People's Bank of China shows the information within five years, which is not exactly the same as that of the bank credit card two years later. Even if your bank credit card expired two years ago, this information may still be displayed in the credit report.
2. Information retention period:
According to the regulations of the People's Bank of China, the retention period of personal credit information in the credit report is generally 5 years. Therefore, even if the overdue record occurred two years ago, it may still appear in the five-year information range of the new credit report. The retention period of information in the credit report is determined by the policy of the People's Bank of China, so even if it is overdue for two years, the relevant credit information may still remain in the credit information system.
3. Degree of influence:
Overdue records have a negative impact on personal credit score. In the new credit report, the existence of overdue records will reduce the personal credit score, which may cause trouble for individuals to apply for loans, credit cards and other financial services. Therefore, even if the overdue records in the last two years are still displayed in the credit report, it may still have an adverse impact on your credit score and credit record.
To sum up, although your bank credit card overdue occurred two years ago, the overdue record may still be displayed in the new credit report of China People's Bank due to the retention of credit information within five years. Overdue records have a negative impact on personal credit score, which may bring you trouble in applying for financial services such as loans or credit cards. I suggest you keep a good repayment habit and improve your credit record in time.
Extended data:
The credit report of the People's Bank of China is generated and published by the Credit Information Center of the People's Bank of China for recording personal credit information. Banks, credit card institutions, lending institutions and other financial institutions will submit personal credit information to the Credit Information Center of the People's Bank of China to form a personal credit report. According to the individual's credit record and credit score, financial institutions can more accurately evaluate the individual's credit risk and credit ability, so as to decide whether to provide credit and financial services.
Please note that the above contents are based on the general situation and understanding of the problem, and cannot cover all situations. For specific information, you are advised to contact the Credit Information Center of China People's Bank or relevant financial institutions for detailed understanding and consultation.