According to the Regulation on the Administration of Credit Information Industry, commercial banks and other financial institutions must timely, accurately and comprehensively report the account information, transaction information and repayment information of customers' credit cards to the personal credit database of the People's Bank of China, so as to timely, comprehensively and truly reflect customers' personal credit status. If your credit card overdraft fails to repay on time, resulting in overdue records, your personal credit record at the People's Bank of China will be objectively reflected regardless of whether your credit card is cancelled or not, which will have an impact on your personal credit record.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

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