According to bank regulations, all card-issuing banks are required to upload customers' consumption and repayment records regularly, and cannot tamper with them. The bank won't make any bad comments on your usage records, but only truthfully feedback your historical usage records without any subjective judgment. If you handle the loan business in the future, the loan bank will comprehensively refer to your credit history, not only for a certain period of time, but also if you can keep a good record of consumption and repayment, your credit will continue to increase.

Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years. If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time. Therefore, after the credit card is overdue, it is best not to cancel the credit card immediately after paying off the arrears, but to stick to using the card for more than two years, during which you can maintain a good credit, so that you can rely on it.

Rolling records remove bad records from the credit information system.

I hope my answer can help you. If in doubt, you can call the bank customer service for consultation.