But when you are in prison, your credit card and flowers are overdue, which will affect your personal credit information. According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; If it is more than 5 years, it should be deleted (see the webpage link for details). When you handle new business, relevant departments will generally give priority to recent consumption and repayment records.