Although the update of new credit information is more timely after the second-generation credit information is launched, there is a process to be faster. The first bank will report the credit card repayment record at T+ 1, and the credit will not be updated at that time. So, just after returning the credit card, I found the credit information before I paid it off, and the credit information after I paid it off will not be found until at least the second day after the date of paying it off.
It should be noted that the credit card has been paid off, but if there are any bad records such as overdue before, these records can be found after the credit is updated and will not be eliminated until 5 years from the date of repayment. However, after the credit report is updated, the repayment amount of the credit card will become 0, indicating that the arrears have been paid off. As long as it is not the black account of the credit report, there will be no big problem.
In a word, it is wrong to start credit investigation just after returning the credit card. Although there are two opportunities for free credit investigation every year, credit investigation is not an updated credit investigation, which is equivalent to wasting an opportunity. It is better to check the information than to check the credit investigation.