The credit card has been paid off and the credit has not been updated. What happened?
Although the second generation of credit information has been launched, the new version of credit information has been updated in time, but there is a process again. First, the bank will report the record of credit card repayment at T+ 1, and then update the credit. Therefore, it is still the credit information before the credit card is paid off, and the credit information after repayment is at least the second day of the repayment date.
For example, if the credit card is paid off on June 26th 10, the bank will collect repayment information and report it on October 27th 10, and update the credit information on the 27th, but the details of the update are not clear, so it is better to check the credit information on the 28th to be on the safe side.
It should be noted that the credit card has been paid off, but if there are bad records such as overdue before, these records can still be found after the credit is updated, and will not be eliminated until 5 years from the date of repayment. However, the repayment amount of the credit card after the credit update will become 0, indicating that the arrears have been paid off. As long as it's not a black account of credit reporting, there won't be much problem.
In short, it is not a correct way to make a credit inquiry just after returning the credit card. Although there are two opportunities for free credit inquiry every year, credit inquiry is not an updated credit inquiry, which is equivalent to wasting an opportunity. Maybe the next time I want to check it, it will be more than free, and I have to pay for it myself.