After the credit card (debit card) is paid off, even if the credit card (debit card) is cancelled, only the information of timely repayment will be left in the credit information, which has no negative impact on the credit information. Moreover, even if there are overdue records in the credit information, as long as all the arrears are settled, after the credit card (debit card) is cancelled, the credit information system will automatically delete the overdue records five years later.

Therefore, as long as the credit card (debit card) is settled in full, it will not affect the user's personal credit information. For users, only the overdue records of credit cards (debit cards) will affect personal credit information.