1, the process of handling credit cards does not have much impact on credit information, but if individuals frequently handle credit cards in major banks in a short period of time, or repeatedly handle credit cards but fail to handle them, it will affect personal credit information. 2. If there is overdue behavior in the use of credit cards, it will affect the credit investigation. Generally speaking, the overdue records of credit cards will be kept in personal credit information for five years. If the overdue funds are not paid off, the records will be kept permanently. 3. Using credit cards for illegal business operations will also have an impact on credit reporting. For example, if a bank finds that cashing out with a credit card will leave a bad record on the credit information.