The credit card records recorded by the bank itself will be kept all the time, while the credit card repayment records synchronized to the database of China People's Bank will be kept for at least 24 months. If the bank stops recording your card, it will be kept for a longer time-when you apply for credit cards or credit products from other banks, other banks can check the credit records from the database of China People's Bank. If there is negative information, it is likely to affect the judgment of other banks on personal credit, and it is possible to refuse the visa.