Credit card consumption records cannot be deleted and are stored in the banking system.

According to the regulations of the People's Bank of China, all card-issuing banks are required to upload customers' consumption and repayment records regularly and cannot be tampered with.

The bank will not make any negative comments on the usage records, but will provide honest feedback on the historical usage records. Credit card consumption records will not affect personal credit reporting. The bank only follows normal procedures and regularly uploads the user's consumption status to the People's Bank of China in order to better inquire about usage. Even after the credit card account is closed, transaction records are still stored in the system for reconciliation and anti-fraud purposes.

1. A credit card, also called a credit card, is a credit certificate issued by a commercial bank or credit card company to consumers with qualified credit. It takes the form of a card with the name of the issuing bank, validity period, number, cardholder name and other contents printed on the front, and a magnetic stripe and signature strip on the back. Consumers holding credit cards can shop or consume at specially appointed commercial service departments, and then the bank will make settlements with merchants and cardholders. Cardholders can overdraft within the prescribed limit. Credit cards stipulated in my country's relevant laws ("Interpretations of the Standing Committee of the National People's Congress on Relevant Credit Card Regulations") refer to credit cards issued by commercial banks or other financial institutions that have all the functions of consumer payment, credit loans, transfer settlement, cash deposits and withdrawals, etc. Or an electronic payment card with partial functions. On December 1, 2017, the "English Translation and Writing Standards in the Public Service Field" was officially implemented, stipulating that the standard English name of credit cards is Credit Card. Credit card consumption is a non-cash transaction payment method. There is no need to pay cash when consumption, and repayment will be made on the billing date.

2. Credit cards are divided into credit cards and quasi-credit cards. Credit cards refer to credit cards where the cardholder has a certain credit limit and can consume within the credit limit and then repay; quasi-credit cards A debit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve as required. When the reserve account balance is insufficient to pay, the card can be overdrawn within the specified credit limit. The so-called credit card generally refers to a credit card only.