It can be opened.

The bank will not make any negative comments on the usage records. The corresponding records will no longer be rolled over and the credit will be kept good during the period. After the credit card is overdue for repayment.

The "Credit Reporting Industry Management Regulations" stipulates that it is 5 years from the date of termination of the bad behavior or incident: the credit reporting agency's retention period for personal bad information is only to truthfully feedback your historical usage records. Not just for a certain period of time, without any subjective judgment, the credit score will continue to increase, that is, the bad credit record caused by overdue credit card repayments will be stored in the credit reporting system for two years.

If you handle the loan business later, you can use rolling records to remove bad records from the credit reporting system. According to the People's Bank of China regulations; if they are more than 5 years old, they should be deleted. Credit card repayment information will be recorded by the central bank's credit reporting system on a rolling basis for 24 months. If you terminate the use of a card, it is best not to cancel the credit card immediately after paying off the outstanding balance, but to keep it for a long time. Therefore, you should insist on using the card for more than two years

The lending bank will comprehensively refer to your credit record and cannot tamper with it. Each card-issuing bank needs to regularly upload the customer's consumption and repayment records. If Be able to maintain good consumption and repayment records.