As long as repayments are made on time, the second-generation credit report will have little impact on credit cards. The second generation of credit reporting is an upgraded version of the previous credit reporting system. The biggest change is that our credit reporting content is displayed in more detail and accurately. For example, we will be shown how much the previous overdue amount has become overdue, and whether your loan behavior is a personal loan or a corporate loan, etc. It also greatly improves the update speed, which also greatly increases the accurate supply of credit information. So as long as there are no problems with your credit report, there will be no impact.