Credit cards are for 2 years. The personal credit report only displays inquiry records within two years of the personal credit report. However, the retention period of personal bad information is 5 years from the date of termination of the bad behavior or incident. According to Article 16 of the "Credit Reporting Industry Management Regulations", the credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or event. If it exceeds 5 years, it shall be deleted.

Extended information:

The inquiry record records the inquiries on personal credit reports in the past two years. Including the date of inquiry, the person who inquired and the reason for inquiry. In layman's terms, it is a historical record of when and for what reason your credit report has been queried by whom. Under normal circumstances, personal credit reports are inquired for the following reasons: loan approval, credit card approval, guarantee qualification review, post-loan management, personal inquiry and objection inquiry.

The inquiry record records information such as the date of inquiry, the person who made the inquiry, and the reason for the inquiry. Based on this, you can track the inquiry of your credit report. For individuals, you should pay special attention to the information recorded in the "Inquiry Record", mainly for the following two reasons: First, whether other people or institutions have inquired about your credit report without your authorization. Second, if your credit report has been inquired by different banks many times over a period of time due to loan, credit card approval, etc., but the records in your credit report show that you have not received a new loan or applied for a new loan during this period. For credit cards, it may mean that you have applied for loans or credit cards from many banks but were unsuccessful. Such information may have a negative impact on your obtaining a new loan or applying for a credit card.

It should be noted that although personal credit report inquiries due to post-loan management are also recorded in the "inquiry record", they do not require your authorization.

If you find that your credit report has been inquired beyond your authority, you can report it to the credit management department of the People's Bank of China, and the People's Bank of China can handle it according to the "Interim Measures for the Management of the Basic Database of Personal Credit Information"; causing actual If you suffer a loss, you can also file a lawsuit in court