2. According to the regulations on credit management, the credit system is updated every five years, and the previous bad records will be cleared after five years.
3. After overdue, the best way is to continue to use this card and overwrite the original negative record with the new normal repayment record. Generally, a new credit record will be generated after 24 months, so that personal credit will not be affected after refreshing the record.
4. If you can't repay on time due to unemployment or illness, state your financial situation and declare that you have no malice before the repayment deadline, you can apply for deferred repayment and interest concessions.
5. People who have bad credit records for more than two times in the personal credit information system will not be able to apply for loans, guarantees and credit cards in various financial institutions within five years. Credit card records generally show 24 months. If it is not used for two years after the expiration, the record will be offset. If the credit card has been deactivated, the credit information system will be retained for five years.