Credit cards will be reviewed at the semi-annual meeting. If the repayment is made after the stipulated repayment date, it will be regarded as overdue behavior. Even if all the debts have been repaid after the overdue situation occurs, the overdue record will remain in the personal credit report. But as time goes by, credit records will be overwritten.

Circumstances that affect your credit record include:

1. Overdue credit card repayments three times in a row (or a total of six times within two years);

2. Monthly mortgage payments The monthly payment of car loan is overdue or non-repayment for 2 to 3 months in total;

3. The monthly payment of car loan is overdue or non-repayment in total for 2 to 3 months;

4. The loan interest rate is increased , the "monthly payment" will still be paid according to the original amount, resulting in overdue interest;

5. If the "Sleep Credit Card" is not used after activation, it will also incur an annual fee, and if it is not paid, it will result in a negative credit record;

6. Credit card overdrafts and mortgage loans were not repaid on time;

7. When providing guarantees for third parties, the third parties failed to repay the loans on time;

8. Cashing out of personal credit cards;

9. Student loan arrears and non-repayment;

10. Mobile phone deductions are linked to bank card deductions, and are disabled on the mobile phone The relevant procedures were not completed and the monthly payment was overdue due to arrears;

11. Credit card arrears records were generated by someone else using the identity card or a copy of the identity card.

Legal basis:

Article 16 of the "Regulations on the Administration of the Credit Reporting Industry"

The retention period of bad personal information by credit reporting agencies shall be from the date of bad behavior or It shall be 5 years from the date of termination of the event; if it exceeds 5 years, it shall be deleted.

During the retention period of adverse information, the information subject may explain the adverse information, and the credit reporting agency shall record it.