Hello, the People's Bank of China stipulates that all card-issuing banks must upload customers' consumption and repayment records regularly and cannot be tampered with. Our bank will not make any negative comments on your usage records. We will only give you honest feedback on your historical usage records without any subjective judgment. If you apply for a loan later, the lending bank will comprehensively refer to your credit record, not just for a certain period of time. If you can maintain a good consumption and repayment record, your credit will continue to increase.

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