The normal use records and repayment records of credit cards will not be automatically eliminated, but there is no need to worry that these records will have a negative impact on credit investigation. These records are recognition of the cardholder's good performance in timely repayment, which is beneficial to the subsequent credit business. If there are overdue records, these records will be kept for at least 5 years after the arrears are paid off.

Legal basis: Article 16 of the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information 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.

Can I cancel my credit card if I don't use it?

Yes, but the premise of canceling the credit card is that the balance of the credit card must be paid off, otherwise it can't be cancelled, and don't use the credit card during the cancellation of the credit card, otherwise it will probably lead to the failure of the credit card cancellation and need to be cancelled again.

It is best to cancel the credit cards that are no longer used, because many credit cards need to pay an annual fee, but generally there is an annual fee-free policy. As long as the number of swipes reaches the specified number, the annual fee can be waived. However, if the user does not use the credit card for a long time, and does not pay or brush the annual fee, it will lead to credit card arrears or even overdue. Therefore, it is necessary to cancel the credit card that is no longer used in time.