Personal credit information kept by the People's Bank of China cannot be quickly recovered through any convenient channels.

1. If there is any debt, please repay it as soon as possible;

2. The retrospective period of bad credit information is five years. After five years, the bad credit information will be cleared and the business can be handled normally;

3. If the arrears are still unpaid after the expiration of the retrospective period of bad credit reporting, the bank may apply for an additional payment for a period of five years or permanently.

if there is negative information in personal credit investigation, it will be deleted from the credit report after a certain number of years, and as long as the individual is honest and trustworthy in future credit activities, with the passage of time, new and good records will gradually refresh and replace the old and negative records.

What will happen if the credit card is overdue?

If it is overdue to a very serious degree, it will constitute a malicious overdraft and will be convicted of credit card fraud. Sentencing standards will be implemented according to the amount of our malicious overdraft, including fixed-term imprisonment or life imprisonment of less than 5 years, more than 5 years and less than 1 years, and fines of more than 2, yuan and less than 2, yuan, more than 5, yuan and less than 5, yuan or confiscation of property.

if the credit card is overdue for more than 6 times in two years, you cannot apply for provident fund loans. A short-term careless overdue once or twice may still be possible to save, but if we are overdue for three times in two years, then our provident fund loan will be out of our reach. Because ordinary banks or provident funds mainly rely on the credit records of lenders in the last two years when handling credit business. Therefore, those cardholders who want to apply for provident fund loans to buy a house must pay back on time when using credit cards.