The account cancellation record of the credit card will be permanently kept in the credit report. However, you don't have to worry too much. As long as there is a new credit record after account cancellation, the credit card account cancellation record will be overwritten after 2 years and cleared by the system after 5 years. It should be noted that if you have multiple credit cards in the same bank, if you want to close your account, all the credit cards in your name will not be available.

Extended data:

Credit investigation includes personal credit and enterprise credit. Of course, there are also government credit reports, but they can be ignored.

Enterprise credit investigation refers to the comprehensive evaluation of credit ability (mainly solvency and solvency degree) of enterprises, bond issuers, financial institutions and other market participants on the basis of analyzing and studying their credit records, operating level, financial situation, external environment and other factors. Formally, enterprise credit investigation is a comprehensive analysis and measurement of performance ability and its reputation, and it is an indispensable intermediary service in the market economy system.

Personal credit investigation refers to the activities of personal credit investigation institutions established according to law to collect and process personal credit information and provide personal credit information inquiry and evaluation services according to the requirements of users. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.

The credit report is based on the Report on the Development of Credit Information Industry in China (2003-20 13) issued by the People's Bank of China, forwarded by the Central People's Government of People's Republic of China (PRC). It is a way to collect, sort out, save and process the credit information of natural persons, legal persons and other organizations according to law.

In addition to the most common credit card overdraft and personal mortgage repayment in loans overdue, some behaviors such as arrears of living expenses and guarantees may be included in the personal credit report. The report shows whether I owe taxes, civil judgments, enforcement, administrative penalties or telecommunications arrears. , which will be displayed in the report. This means that in the future, arrears in water, electricity, gas or fixed telephone charges, as well as providing guarantees to third parties, and third parties failing to repay on time will also be included in bad credit records.

The new version of the credit report of the central bank's personal credit information system has been put into operation, and the "validity period" of overdue records is officially set at five years. The new credit report sets the starting point of overdue information as 65438+2009 10 month, and the previous bad repayment record has been deleted.