After cancellation, you can log in to the Credit Information Center of China People's Bank for enquiry. When canceling a credit card, as long as there is no overdue record and no arrears, the cancellation has no impact on personal credit information. According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them.
The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
Capital expansion information
Bank counter cancellation:
1. Bring a valid certificate, such as an ID card, call the corresponding bank customer, enter the card number and information according to the prompt, and cancel the account. The cancellation method is as follows: to cancel the telephone banking, you need to reissue a credit card first, then cancel the account, and the card fee is required to replenish the card; Credit card cancellation must take out the balance on the card to ensure that there is no debt on the card.
When you get the reservation number from the bank, the credit card will still show credit after cancellation.
3. Explain to the service staff that you want to close the account. Fill in the relevant application.
4. After the credit card is cancelled, hand it over to the bank staff: all credit cards can be cancelled by telephone banking. If the credit card can only be cancelled by phone if it can be cancelled, then queue up.
Baidu Encyclopedia-Regulations on the Administration of Credit Information Industry