According to the Regulations on the Administration of Credit Information Industry:

Article 16

The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

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

Article 17

Information subjects can inquire their own information from credit reporting agencies. The subject of personal information has the right to get my credit report twice a year for free.

Article 18

When inquiring about personal information from a credit reporting agency, it shall obtain the written consent of the information subject and agree to use it. However, unless the law stipulates that it can be inquired without consent.

Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph.

Extended data:

According to the Notice on Issuing the Measures for the Administration of Credit Card Business:

Article 18 The longest overdraft period of a credit card is 60 days.

Article 19 Credit card overdraft interest shall be charged at the rate of five ten thousandths of daily interest within 15 days from the date of signing the contract or the date of bank entry, and at the rate of five ten thousandths of daily interest after 15 days, and at the rate of fifteen thousandths of daily interest after 30 days or when the overdraft amount exceeds the prescribed limit. The overdraft interest is not divided into sections, and the interest is calculated according to the highest interest rate grade or the highest overdraft amount.

Article 20 The overdraft business of each card-issuing bank shall be managed according to its credit scale. Overdraft is transferred to short-term loan accounting.

Article 21 Malicious overdraft refers to the overdraft behavior of the cardholder for the purpose of illegal possession, which exceeds the prescribed limit or time limit and is invalid after being collected by the issuing bank.

Twenty-second special units shall not refuse to accept valid credit cards legally held by cardholders and issued by contracted banks for any reason, and shall not charge cardholders extra fees for using credit cards.

Twenty-third special units shall not pay cash to cardholders by pressing cards, signing bills, returning goods, etc.

Article 24 Commercial banks shall charge credit card transaction fees to special units according to the following standards:

(a) RMB credit card, not less than 2% of the transaction amount;

(2) Credit cards issued by overseas institutions and used in China shall not be less than 4% of the transaction amount.

Domestic banks sign credit card agency acquiring agreements with overseas institutions, and the profit distribution ratio is implemented according to the fact that domestic banks and overseas institutions account for 37.5% and 62.5% of the handling fees paid by special units respectively.

Article 25 The business rules of foreign currency credit cards shall be formulated separately.

China government network-regulations on the administration of credit information industry