The second-generation credit report will only record the monthly repayment status of each credit card, such as whether it is overdue, the number of overdue days, whether the repayment is normal, the repayment amount, etc., and will not display each credit card. Consumption record, that is, consumption is not included in the credit report.

If the credit card has been repaid, the repayment information will not be displayed in the personal credit record of the People's Bank of China. Only overdue records will be displayed in the credit reporting system.

Credit information system: Personal credit information system, also known as consumer credit information system, mainly provides personal credit analysis products for consumer credit institutions.

The information on the credit report is reported by various banks from time to time. The bank will not report it unless there are any major changes in your account, such as when your credit card limit is adjusted, or if you have expected repayments. When the credit report is recorded, the bank will report it in a timely manner, which means that the information on the credit report is not updated very timely.

The connection between credit card bills and the credit reporting system of the People's Bank of China is done on a monthly basis. Each bank will regularly report the customer's credit card usage to the bank. What is reported is only the amount of your bill, the amount you should repay and the actual repayment amount. If there is only the bill amount and no actual repayment amount, it is considered overdue.

So if you pay off your credit card before the bill comes out, then the bank should report to the People's Bank of China credit system that the amount of repayment for the current period is zero, so this will not be reflected in the credit report. Find out the actual usage of your credit card.