After the credit card is paid off, the update time of the credit report will vary depending on the data reporting frequency of different banks. Under normal circumstances, the following points apply:

Bank reporting frequency: Banks will report data to the Credit Reference Center of the People's Bank of China every month, usually on the next working day after the cardholder's statement date . Therefore, after the credit card is paid off, it is usually updated in the next month.

Update cycle: The update cycle of credit report is usually 1-2 months. The records you see in your credit report are generally from 1-2 months ago.

Details: Different banks have different data reporting times, so the update speed will also vary. If you are eager to check the credit report, you can urge the bank to submit the data to the Credit Report Center of the People's Bank of China as soon as possible.

It should be noted that even after the credit card is paid off, the previous overdue record will not be eliminated immediately. According to the retention period regulations of credit reporting agencies on personal bad information, overdue records will be deleted after 5 years.