Legal analysis: If the arrears have been paid off, the system needs one working day to process or display the arrears information of last month, and the amount of arrears will be displayed when making the credit report of credit card arrears, but if the arrears have been returned, the credit report will not display the arrears.

Legal basis: Article 17 of the Regulations on the Administration of Credit Information Industry, information subjects can inquire their own information from credit information agencies. The subject of personal information has the right to get my credit report twice a year for free.