Under normal circumstances, the repayment records and usage records in credit card credit records will not be erased, but if overdue behaviors occur, the records will be automatically erased after five years of debt repayment, and major overdue behaviors may be retained for a relatively long time. Because the overdue record of the credit card is rolling, you need to continue to use the credit card after paying off the debt, and no new overdue record will be generated. The previous bad record will be eliminated by overwriting it with the new record. If there is bad credit card repayment behavior in the credit information system, it will affect the normal use of credit cards and other financial and subsequent lending activities, and those who are seriously overdue are likely to be classified as untrustworthy.
Did you apply for credit card records at the meeting?
Apply for a credit record at a credit card meeting.
The application and use of credit cards are strictly regulated by major banks. When applying for a credit card, the bank will inquire about the applicant's credit information, and this inquiry record will be recorded in the credit report.
If a person applies for a credit card frequently, there will be a record of frequent application for a credit card on his credit report. Because this inquiry record belongs to "hard inquiry", too many records will lead to credit investigation, which will also have an impact on future card and loan.
Extended data:
The application method is generally by filling in a credit card application form, which generally includes the applicant's name, basic information, economic situation or income source, guarantor and its basic information. And submit some copies of certificates and vouchers to the issuing bank.
After filling in the application form truthfully, the customer shall submit the completed application form and relevant credit certificate. A credit card contract is attached to the application form. The applicant authorizes the issuing bank or relevant departments to investigate the relevant information, and submit the information authenticity statement and the privacy protection policy of the issuing bank. , and must have the applicant's autograph.
References:
Credit card-Baidu encyclopedia
How to inquire about personal credit records of BOC credit cards?
China Bank Credit Card Personal Credit Record Inquiry:
Bank of China only truthfully reports your consumption repayment records to the People's Bank of China. If the mobile banking of Bank of China has been opened, you can inquire about personal credit through the "credit inquiry" function in the mobile banking, or apply to the credit management department of the People's Bank of China with your ID card, or log on to the website of the Credit Information Center of the People's Bank of China for inquiry.
The above contents are for your reference. Please refer to the actual business regulations.
If you have any questions, please contact online customer service of Bank of China.
You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GOAPP to handle related business.
This concludes the introduction of credit card credit records and credit card credit records. I wonder if you have found the information you need from them?