First, after the credit card is cancelled, the credit information is still recorded. If the credit card is not overdue, the cardholder will show that the credit card account has been cancelled 45 days after returning the card. If the credit card has overdue records and the cardholder chooses to cancel the card or account, the bad records will not disappear and will still remain in the credit report. If there are outstanding debts on the card at the time of cancellation, it will have an impact on the personal credit record.

2. Generally speaking, as long as the account has no overdue bad credit record, the cancellation of the card will not affect personal credit information. If the credit card has a bad credit record, the cardholder should continue to use the card normally and overwrite the old bad credit record with a new credit record in the future.

Three, even if the cardholder has paid off all the historical debts before the cancellation of the card, the historical bad credit records will continue to be kept by the credit reporting agency. It is not until five years from the date of termination of the bad behavior or event that the credit reporting agency will delete the personal credit record from the credit report in accordance with the relevant provisions of Article 16 in Chapter III of the Regulations on the Administration of Credit Reporting.

4. After the cancellation of the old credit card, the status of the credit card in the credit column will only show the cancellation, and the detailed repayment information of the credit card under the name can not be found. Therefore, a few people pay off their debts after their credit cards are overdue, and want to wash their credit information by canceling their accounts. However, after the new version of the credit report is launched, this practice will not work.

5. After all, in addition to showing the repayment status of the credit card, the new version of the levy and update also increased the repayment amount and time, and extended the repayment record to five years. Even after the credit card is cancelled, the repayment status of the cancelled credit card within 5 years will still be displayed. In addition, in addition to the account cancellation information, the inactive account information under this name will also be displayed on the credit report.

1. How to check the new version of credit information? In fact, the inquiry method of the new version of credit information is similar to that of the old version. You can go to the local central bank's credit information center to inquire, or you can inquire through the central bank's credit information center in official website.

Second, the difference is that there are several options for valid vouchers of the new version of credit inquiry. In the past, you can only query with valid ID cards, but now you can also query with valid documents such as passports and military officers' cards.