If the credit card is not used for six months, it will not show the arrears. That's right. If the credit card is not used for six months, the credit card account will be closed by the system, and the liabilities in the account will be deleted, so the liability information will no longer be displayed in the credit record. This is because after a credit card account is not used for a long time, the bank will regard it as an inactive account. At this time, the bank will close the account and delete the arrears in the account to avoid the risks brought to the bank by the inactive account. However, it should be noted that even if the credit card account is closed, the bank can still keep your credit record for a certain period of time, usually between 3 years and 10 years, so there may still be information about the account in the credit record. In addition, closing a credit card account may have a negative impact on credit records, because credit cards are an important way to establish credit records. Closing a credit card account may reduce the length and type of your credit record, thus affecting your credit score. Therefore, in order to maintain a good credit record and credit score, it is recommended that you pay attention to repayment and account activation when using credit cards to avoid account closure and credit record damage due to long-term non-use of credit cards. If you really need not to use your credit card for a long time, you can consider keeping some small expenses to keep your credit card account active.