Not necessarily. If the user repays the loan on time, the credit report will not be reported. If the user does not repay the loan on time, the credit report will be reported. The credit card is connected to the central bank's credit reporting system. If it is overdue, the credit card will be reported. Therefore, repayment should be made on time during use. If the user is overdue during use, then after the overdue record is uploaded to the credit reporting system, it will have adverse effects on the user's future loan approval or other credit card applications.

How long is the credit card term?

Credit cards issued by domestic banks generally have 3, 5, or 8 years. The usage period varies from bank to bank. The specific validity period is subject to the regulations of the local issuing bank. Every credit card has an expiration date, with the first two digits being the month and the last two digits being the year.