According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. If we have used our credit card before, we will not make any bad comments on the user's usage record, but only truthfully feedback the user's historical usage record without any subjective judgment. The Regulations on the Administration of Credit Information Industry stipulates that 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. Relevant departments will generally give priority to recent consumption and repayment records when handling new business.