The Regulations on the Administration of Credit Information Industry has corresponding provisions on this:
Article 16 The retention period of personal bad information by credit reporting agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted.
During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it. Information subjects can inquire their own information from credit reporting agencies.
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Regulations on the Administration of Credit Information Industry and other relevant laws and regulations:
Eighteenth natural persons, legal persons and other organizations can query public credit information through government service windows, government credit websites, mobile phone clients, or in public credit information institutions.
After the expiration of the public credit information disclosure period of legal persons and other organizations, it will be turned into files and will not be made public. The inquiry period of personal credit information is generally five years. The information will be deleted after the inquiry period expires.
Article 19 The issuing bank shall strengthen the management of credit card risk assets identification and write-off, and confirm and write-off in time. The basis, scope and conditions for the write-off of bad debts in credit card business shall be implemented in accordance with the provisions of relevant state departments.
Baidu Encyclopedia-Regulations on the Administration of Credit Information Industry