To delete from the banking system, it is basically impossible to accomplish this task manually, except for their system errors and lost records. Even bank employees can't delete customers' transaction records. It is even more impossible to delete bank records from your online banking. This is because of the particularity of the banking industry. In order to avoid illegal transactions, all transaction records are required to be kept for a certain period of time. It is illegal to delete them at will, so even if you find bank acquaintances, you will not easily help you. If you transfer the wrong money, it is also difficult to get it back from online banking, because online banking is basically real-time transfer now, and you have to go to the counter to withdraw it.
neither the transaction record of your credit card nor the repayment record of your credit card can be erased at will. In terms of credit records, the People's Bank of China stipulates that all card-issuing banks are required to upload customers' consumption and repayment records regularly and cannot tamper with them. The bank will not make any bad comments on the usage records, but only truthfully feedback the historical usage records without any subjective judgment. If you handle the loan business in the future, the lending bank will refer to your credit history comprehensively, not only for a certain period of time, but also for a good record of consumption and repayment, which will continuously increase the credit. Credit card repayment information will be recorded by the central bank's credit information system for 24 months, that is, the bad credit records generated by overdue credit card repayment will be kept in the credit information system for two years.
if the card is used to terminate, the corresponding record will not be scrolled, but will be saved for a long time. Therefore, after the overdue repayment of the credit card, it is best not to cancel the credit card immediately after paying off the arrears, but to insist on using the card for more than two years and maintain a good credit during the period, so that the bad records can be removed from the credit information system by rolling records.
Operations Guide:
1. Credit card: You can provide the cashier with your bank card and enter your password. Online payment needs to go to the bank to open mobile banking or online banking shield.
2. Inquiry: You can conveniently inquire about the details of credit card consumption through online banking and telephone banking. For customers with credit cards and wealth management account cards, some banks also provide you with statements every month, so that you can see the accounting situation at a glance.
Tips:
1. Please pay attention to check the consistency between the amount on the purchase order and your consumption amount. If you have any questions, you should raise them in time, inquire about the accounts in time, and give feedback to the bank in time if you find any problems.
2. Please don't let others see your password when you enter it.
3. Please make sure that your signature on the purchase order is consistent with the signature on the back of the card.
4. The purchase slip is the proof of your credit card consumption, please keep it properly.
5. there is no need to charge a handling fee when using bank cards in different places.