1. If the credit card of the user is overdue, the retention period of bad records is 5 years. The cardholder can continue to use the card after paying off the arrears, and the bad credit record will be gradually covered by the new record;

2. If the cardholder is overdue for three consecutive times and six times in two years, then the bank will basically not grant loans again. If it is overdue due to special circumstances, the cardholder can request to issue a certificate without malicious overdue with relevant certificates, and then he can still apply for a loan, but the loan amount will be reduced and the loan interest rate may be increased;

3. Don't cancel the card at will after the credit card is overdue. If it is cancelled, no new records will be generated in the credit information system, so bad records will always exist and cannot be overwritten by new records.

the above is the relevant content of how to solve the problems in credit card credit investigation. How to inquire about credit information

1. Go to the branches of the People's Bank of China to inquire, but you need to bring your ID card or other supporting documents when inquiring;

2. Log on to the website of the People's Bank of China and register on the personal credit service platform. This method saves time.

this article mainly writes about the knowledge points about how to solve the problems in credit card credit investigation, and the content is for reference only.