No. "Generally speaking, as long as the credit card is swiped normally and repaid on time, it will not affect our credit rating, nor will it affect the business of handling loans in the future. You are a credit card of the Postal Bank, so you must be consulted for inter-bank loans. Bank lending will fully participate in the credit record, not only in a certain period of time, but also continuously increase the credit level if it can maintain a good consumption and repayment record. "

1. Methods for maintaining credit information

1. First, when lenders or credit card holders change important information, they need to update bank information in time. Take credit cards as an example. If the cardholder's billing address and mobile phone number change and go to the bank to modify the address and mobile phone number, then you can receive the credit card confirmation letter and statement on time, and you can also receive the bank reminder message in time to ensure the security of the account.

if the credit card holder does not have enough funds to repay all the bills and does not want to affect his credit history, he can contact the bank in time to choose the minimum repayment amount or apply for installment repayment.

2. Some people think that bad personal records can be eliminated as long as credit cards are eliminated. In fact, the personal identity information of the cardholder is attached to the credit record. Simply selling cards cannot eliminate bad records. At this time, we should continue to keep the card in good use for a long time, so that we can "clean" our personal credit records through good credit transactions in the future. Of course, the Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information is limited to five years, and it will be deleted after five years. But this is on the premise of paying off the loan. Don't think that it can be eliminated without paying back the money.

ii. Credit information for credit investigation

Credit investigation agency refers to a legal entity established upon approval according to relevant regulations, which collects personal credit information and provides personal credit information consultation and rating services for commercial banks and other personal credit information users;

refers to an enterprise legal person authorized by the credit supervision and management department to engage in credit investigation business. It is a third-party organization other than the two parties to the credit transaction, and has a certain scale of credit information base.

in a narrow sense, a credit information institution refers to a professional information service institution specializing in the collection, processing, evaluation and dissemination of credit information. Generally speaking, it refers to an enterprise legal person that is approved by the credit supervision and management department and specializes in credit information business activities. Credit agencies are usually divided into three categories, namely, enterprise credit agencies, personal credit agencies and property credit agencies. The concept of credit reporting agency can also be extended to other types of enterprises in various credit management industries, such as credit rating, enterprise account collection, credit management consulting and other institutions, and even produce different titles.