The credit report is updated every five years. 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 bank will not make any bad comments on the usage records, but only truthfully feedback the historical usage records without making any subjective judgments. If you apply for loan business in the future, the loan bank will comprehensively refer to your credit record, not only for a certain period, but also for a good record of consumption and repayment, which will continuously increase credit. 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. Relevant departments will generally give priority to recent consumption and repayment records when handling new business.

Credit card repayment, overdue mortgage and unpaid water and electricity are all situations that we all know will affect personal credit information. The following situations will also affect personal credit information:

1. Loss of ID card, fraudulent use of ID card by others, overdraft consumption by credit card: Even if you have never applied for a credit card, it is possible that your credit card has been overdrawn, leaving a stain on your personal credit information. The possibility of this situation is mostly that the borrower loses his ID card or copy, which leads others to apply for credit cards, or even multiple credit cards are frequently cashed out and maliciously overdrawn, thus causing bad credit information and affecting his application for loans.

2. The credit card is stolen and swiped by others, which affects personal credit information: it is as serious as losing identity documents, and the bank card is stolen and swiped. In recent years, cases of stealing bank card information and cloning credit cards have gradually increased. Many borrowers were stuck, but the money in Cary was stolen by criminals from other provinces or even overseas, resulting in the loss of their money in a short time. If you don't pay back the money within the time limit, you will also give them a bad brand.

3. The national student loan will not affect personal credit information after graduation: if the national student loan applied for at school is not returned in time after graduation, it will also affect personal credit information. In order to help poor college students, the state provides a national student loan. However, if loans overdue fails to pay it back, it will also be recorded in the personal credit report, including the amount and overdue time, and kept for a long time. If the parties later apply for a credit card or loan business, the relevant banks can also find these credit records. Some students forget to repay after graduation, which leads to overdue or arrears, which has a negative impact on personal credit records.