It is not uploaded to the Bank of China, it should be the People's Bank of China. If it is passed on, your bad record will be recorded for 7 years. Within 7 years, you will not be able to apply for a credit card, find a bank loan, or borrow anything from the bank. In addition, any place that requires your personal credit certificate will show that you have had bad credit, which is very detrimental to you personally, not just in terms of bank credit.