Credit card consumption records cannot be used for credit investigation. If there is any overdue, the credits will be collected at the meeting. The credit information system will only show your monthly repayment, such as whether it is overdue, the number of days overdue and whether the repayment is normal. Generally, as long as you pay the minimum repayment amount, it is not overdue and does not reflect the specific matters of your consumption. If the credit card has been repaid, the repayment information will not be displayed in the personal credit record of the People's Bank of China, and only overdue records will be displayed in the credit information system.

Credit information system: Personal credit information system, also known as consumer credit information system, mainly provides personal credit analysis products for consumer credit institutions. The information in the credit report is reported by the bank from time to time, and your account has not changed greatly, so the bank will not report it. For example, if your credit card limit is adjusted or you have an expected repayment record, the bank will report it in time, which means that the information on the credit report is not updated in time.

The second-generation credit report only records the monthly repayment of each credit card, such as whether it is overdue, the number of days overdue, whether it is normal to repay, and the repayment amount. , and does not display the consumption record of each credit card. Not to mention that generally only the issuing bank will query the consumption records of its credit card from the system, and other banks have no right to query other banks. So don't worry that the credit card consumption records will be seen by others.

Now that the second generation of credit investigation has been launched, the content of credit card in the credit investigation report has increased a lot, which reveals the cardholder's credit card usage more comprehensively: 1, which will show the repayment record of credit card within five years, which can reflect the personal credit situation more comprehensively; 2. The monthly repayment amount of the credit card will show that it is not feasible to make 0 bills for arbitrage in the card by prepayment; 3. After the credit card is cancelled, the repayment record will still be displayed, which means that the cancellation method of white credit information is invalid. 4. The large-scale special installment of credit cards will show that it is not feasible to hide real liabilities by installment.

The above is "credit card consumption record meeting?" . It should be noted that although the credit card consumption record will not be found by others through the credit report, you can still know whether the cardholder is using the card through the monthly repayment amount. It is recommended that you still use a compliance card.