As long as five years from the date of repayment, the bad credit records of the People's Bank of China's credit information system will be eliminated. There is something wrong with the customer service guide. When she said that it would not be eliminated, she meant that it could still be found in the credit card system of China Bank, but the People's Bank of China would completely eliminate credit reporting. If you apply for a credit card, other banks except China Bank will handle it, and the bank will check your credit report, which will be a good credit report. There will be no more bad records.