According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. If you have used the credit card of China Merchants Bank before, we will not make any bad comments on your usage record, but only truthfully feedback your historical usage record without any subjective judgment. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; Those more than 5 years old should be deleted (see/zwwk/2013-01/29/content _ 2322231.htm for details). When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.