Your question should be a malicious proof,

As long as you close your account, the bank can use this card.

Your card should not be cancelled.

If the account is closed, the bad record will be gone.

It's been five years,

So what you have to do is

1. Your credit record is kept in the credit information system of the People's Bank of China.

2. If you want to appeal for cancellation of bad records, first go to ICBC to issue a certificate explaining the cause and effect of the arrears at that time, then go to the local people's bank to print personal credit records, then fill in the appeal form and apply for cancellation after approval;

3. Then you can apply for a loan.