If it is a China Merchants Bank credit card, according to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records regularly and cannot be tampered with. If you have used our credit card before, our bank will not make any negative comments on the usage record. It will only give you honest feedback on the historical usage record without any subjective judgment. The "Credit Reporting Industry Management Regulations" stipulate that the credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, it shall be deleted.

When handling new business, relevant departments will generally give priority to recent consumption and repayment records.