1. Yes.

2. The application and use of credit cards must be subject to a credit report. Credit card account status is an important part of the credit record in the credit report. Credit card business is divided into normal, frozen, stop payment, bad debt, account cancellation and inactive. Normal use of credit cards will be recorded in the personal credit report, but it will not have a negative impact on the personal credit report. Nowadays, when many people talk about credit reporting, they think it is a very serious matter. But in fact, credit reporting is not as scary as we imagined. Personal credit report is actually an objective record of credit history, recording information such as debt repayment, contract performance, compliance with laws and regulations, etc. Normal use of credit cards will not have a negative impact on our personal credit report, but will be beneficial to the personal credit report.

1. Some common behaviors that will affect our credit evaluation:

1) Overdue behavior during the use of credit cards. Whether it is a credit card or a loan, being overdue is a serious credit violation. What we often say about credit reporting refers more to overdue records being recorded in the credit reporting system.

2) Too many consumer credit cards and too much credit card debt. In real life, many people tend to spend ahead of schedule and live a life of relying on their cards. If they use credit cards excessively, resulting in too much credit card debt, the credit card's unpaid balance will also be shown in the personal credit report, which is not conducive to credit reporting. evaluate.

3) Apply for too many credit cards. You must know that the issuer of each credit card needs to conduct post-loan management inquiries on the credit report of the credit card holder every year. If you hold too many credit cards, it will lead to too many inquiries on the personal credit report. It is also not conducive to personal credit evaluation.

Note: If you are using your credit card normally, there is absolutely no need to be arrogant and worry about the use of your credit card affecting your personal credit report. However, if you rely on credit cards to maintain your credit card, cash out illegally, or even overdue your credit card, it will still have a negative impact on your personal credit evaluation.

2. In short, the longer the overdue period, the greater the impact. Personal credit reports will have an increasing impact on life. It is recommended to take remedial measures as early as possible to reduce the impact on credit reports.