You have to look at the month on which the card settlement month is calculated on your personal credit report. If the settlement is earlier than 201306, it is normal. The bank did not submit your information to the People's Bank of China in time. You can consult the Industry and Commerce again. Bank, or go to the company's bank branch to apply for credit objection and request adjustment. If the settlement date is after 201306, it means that your card status is still normal by the end of the settlement month on the credit report.