if the credit card is not repaid in time, it will affect the personal credit status and leave a bad record in the credit information system of the People's Bank of China. It will affect personal reputation, personal credit loans, credit card applications, use, the size of the amount of personal credit business will be affected.

credit cards with bad records are blacklisted, so there is no other way. Only by carefully maintaining your reputation, bad information will be automatically deleted after 5 years. According to the "Regulations on the Administration of Credit Information Industry", the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or events; If it has been more than 5 years, it shall be deleted.

as long as good credit behavior is maintained within five years, these bad information will disappear after five years. For example, after the credit card expires, it will be paid off in full on August 1, so the record will be deleted after 5 years from August 1.

Regulations on the Administration of Credit Information Industry:

Article 16 The retention period of personal bad information by credit information agencies is five years from the date of termination of bad behavior or events; If it has been more than 5 years, it shall be deleted.

within the retention period of bad information, the information subject may explain the bad information, and the credit reporting agency shall record it.