The credit card blacklist will be automatically eliminated after 5 years. According to the regulations of the central bank, personal bad records will be retained for 5 years after debt repayment, and deleted after 5 years. Next, Bian Xiao will introduce how much credit card blacklist can be eliminated.

Although it takes five years to eliminate the blacklist, the repayment records of credit cards generally only show the records of the last two years, so as long as a good repayment record is maintained within two years, the expired information will be overwritten and will not be displayed on the receipt.