Credit card consumption records cannot be deleted, and transaction details will be retained in the bank system. According to the regulations of the People's Bank of China, each card-issuing bank must send customers' consumption and repayment records on time and cannot be tampered with. The bank will not make any negative comments on the usage records, but will truthfully reflect the historical usage records. Credit card consumption records will not affect personal credit reporting. The bank only follows normal procedures and sends the customer's consumption information to the People's Bank of China on time for better inquiry. Even if the credit card is closed, transaction records remain in the system for reconciliation and fraud prevention. The above is the relevant content on how to delete credit card consumption records. Disadvantages of credit cards

1. Annual fees are required: Credit cards have annual fees, but basically there are supporting annual fee-free policies. For example, CCB only needs to pay three times a year. It can be waived; however, if the number of credit card swipes per year does not reach the number specified by the bank, an annual fee will be charged;

2. It will affect the personal credit record: long-term malicious arrears will naturally affect the personal credit record. Even being blacklisted by the bank, customers may be rejected by the bank for loans to buy houses or cars in the future.

This article mainly writes about the relevant knowledge points on how to delete credit card consumption records. The content is for reference only.