The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.

At the end of each month, the central bank will regularly collect customer credit reports from the head offices of various banks.

If the cardholder repays before this, even if it is overdue, it will show "normal";

"Overdue" will only be displayed if the cardholder fails to repay at this time (the latest repayment date has passed).

Therefore, for cardholders whose latest repayment date is at the end of each month, overdue repayment is prohibited. If the repayment date is in the first half of each month, although the repayment will be fined for interest and late fees, it will have little impact on the personal credit record.