If you continue to use the credit card, the good record will automatically overwrite the bad record.

It's gone after two years.

Personal credit record is an objective record of personal credit information, which records all personal credit payment history.

Personal credit system is a system that evaluates personal credit rating according to household income and assets, loans and repayments that have occurred, credit overdrafts, penalties and lawsuits when bad credit occurs, and records it at any time, so that personal credit providers can decide whether to provide credit or how much credit to provide.

There are two forms to reflect personal credit status, namely personal credit report and credit score.

Under the condition of market economy, personal credit system is very important.

It is more important for individuals to use credit products effectively and maintain a good credit record.

Individuals can query their credit reports in two ways.

First, when a commercial bank applies for a credit card or loan, the bank will query the basic database of personal credit information, and the individual will read its credit report.

Second, you can check with the credit management department of the People's Bank of China.

In addition to myself, only commercial banks can directly inquire about users' credit reports when handling loans, credit cards and other businesses and managing after loans, and commercial banks must also obtain users' written authorization in advance.