Hello, I am happy to answer this question for you. If your personal credit report issued by China Merchants Bank shows all credit card debts, then you don’t have to worry, because your credit report will record the credit card Usage and on-time repayment without overdue payments will not affect your credit report. However, if you have paid off your credit card and the credit card debt is still displayed, it is recommended that you bring your ID card and proof that the credit card has been paid off to your credit card Please contact the counter staff at the business hall or branch of your bank to handle the matter.