In terms of credit records, the People's Bank of China stipulates that all card-issuing banks are required to upload customer consumption and repayment records on a regular basis and cannot tamper with them. So the bank just uploads the customer's card usage according to the facts. In other words, the bank will report it several times if it is overdue.

According to the "Regulations on the Administration of Credit Information Industry", the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. So if you don't card, the record will be gone.

To sum up, people with bad records can't disappear. Most of the people who can disappear outside are fraud companies, mainly cheating money. Don't believe it.