According to China's "Interim Measures for the Management of Basic Database of Personal Credit Information", banks and other financial institutions must report the credit information of customers to credit reporting agencies for filing. Credit card consumption record is one of the important information of customers' consumption in the bank, and the bank will report the consumption and repayment of customers' credit cards to the credit reporting agency to evaluate customers' credit status.
In addition, credit card consumption records have a great influence on personal credit evaluation. Therefore, when using credit cards, we should pay attention to the overdraft limit and repayment time to avoid bad credit records. At the same time, paying off the credit card arrears in time and maintaining a good credit record can improve the personal credit rating and provide convenience for future loans and credit rental.