According to the "Regulations on the Administration of Credit Information Industry", the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. "

It is generally believed that according to the regulations, credit cards can only be processed after bad credit records disappear. In fact, in practice, you can also try to do this and apply for a credit card:

First, pay off the outstanding card overdraft or loan;

Second, the bank that lists you as a bad credit record should issue a certificate of non-malicious arrears.

Proof of non-malicious arrears

This is to certify that * * *, gender: *, ID number: * * * *, and the RMB account with credit card number: * * * * held by this customer has been overdue for * times, with a debt of * yuan. The main reason is that the customer * * * forgot to repay the loan in time or lost the card because of going out, and failed to report the loss or cancel it in time. Later, because I didn't receive the short message and telephone dunning from our bank to reissue the new card code * * * *, I didn't repay it on time. At present, the customer has settled all the arrears, and there is no subjective malice.

Hereby certify!

China * * * Bank * * Sub-branch

* Year * Month * Day