Overdue bad records will not be automatically revoked after the cancellation of credit cards, and the retention period of personal bad information by credit reporting institutions is 5 years from the date of termination of bad behavior or events; More than 5 years, should be deleted.

Under normal circumstances, if the cardholder has left a bad credit record for various reasons, the solution is to continue to use the credit card normally instead of directly canceling it. Because only the records of the last 24 months are seen in the credit report, it is recommended to continue to use it for 24 months after paying off the arrears, and the previous negative records will be covered by good records.