1. The system will comprehensively evaluate the bad records based on the latest consumption and repayment records of users, with a cycle of five years.

2. Users can enjoy the qualification of manual elimination once every five years by submitting an application for manual verification elimination.

Personal credit information related knowledge: Before this, it is necessary to understand that the credit information system was established by the People's Bank of China. When the personal credit is negative, the record is generally kept by the bank where the credit card is located. It will be officially synchronized to the People's Bank of China in more than 90 days. It's hard to get it back at this time.

According to bank regulations, negative personal credit information is generally kept for 7 years.

Note: No matter what the reason is, please remember one thing, remember not to return the card, even if the bank recovers or even urges you to return it. It can be explained that as long as there are no new bad records in the next two years, the original negative credit records will be overwritten to form a good credit record, so that it will not have a negative impact on credit behavior.