1. It shows that your credit record with China Merchants Bank has improved;

2. It does not mean that your credit record with the People’s Bank of China has improved. According to regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records regularly and cannot be tampered with. The Regulations on the Administration of the Credit Reporting Industry stipulates that the credit reporting agencies shall retain personal bad information for 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, it shall be deleted.

3. When the bank handles business, it refers to your credit record at the People's Bank of China. It is recommended that you check your credit record through the local bank.