The credit card has not been returned for three months. What does it mean that the bank sent a message saying that it would transfer me to the personal credit database?
In other words, adding your personal credit information to the bad record means that personal credit information represents personal credit, and it is very inconvenient for you to do anything in the future. If you find out later, you won't be able to get a loan in the future. For example, buying a house, buying a car, getting a marriage certificate and using an ID card for work will basically have an impact. You'll find out later.