Replenishing the card will not affect the credit investigation, but your card will be displayed on the credit investigation.

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.

The bank will not make any bad comments on your usage record.

Just feedback your historical usage record truthfully, without any subjective judgment.

If you follow up the loan business, the loan bank will refer to your credit history comprehensively.

Not only for a certain period of time, but also if we can make a good record of consumption and repayment,

It will continue to increase your credit.

Credit card repayment information will be recorded by the central bank's credit information system for 24 months.

In other words, the bad credit records generated by overdue repayment of credit cards will be kept in the credit information system for two years.

If you terminate with a card, the corresponding record will not scroll, but will be saved for a long time.

Therefore, it is best not to cancel the credit card immediately after the credit card is overdue.

Instead, we should insist on using the card for more than two years and maintain good credit during this period.

In this way, bad records can be removed from the credit information system by rolling records.

The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies,

5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.