Personal credit is one of the important criteria for your bank credit business. Bad credit will cause problems such as being blacklisted by banks, making your credit card and loan unable to be approved, or the loan interest rate rising after approval.

Credit records are recorded in the credit database of the People's Bank of China, and banks should check the credit records of borrowers when handling credit business. Under normal circumstances, if you fail to repay the loan on time for more than 4 times in 1 year, or the overdue time is more than 3 months, your credit business is unlikely to be approved, so you must cherish your bank credit record.

Credit records can't be modified, but they will be automatically erased after 7 years from the date of occurrence, so the only thing you can do now is to protect your future credit records and return credit cards and loans on time.

It is suggested that you can handle the credit card related savings card business, and the system will automatically deduct the arrears of each period, which will not cause overdue records. At the same time, after the contact information is changed, the bank reservation information will be revised in time.

Finally, if possible, negotiate with ICBC to issue you a credit statement of non-malicious arrears, and keep the original, which will be of great help to your future credit business.