the application will have an impact. the regulations on the administration of credit reporting industry stipulates that the retention period of personal bad information by credit reporting institutions is 5 years from the date of termination of bad behavior or events; If it has been more than 5 years, it shall be deleted. When you handle new business, the relevant departments will generally give priority to recent consumption and repayment records.

according to the regulations of the people's bank of China, all card-issuing banks are required to upload customers' consumption and repayment records on a regular basis and cannot tamper with them. If you apply for a loan/credit card business in China Merchants Bank, we will not make any bad comments on your usage records, but only truthfully feed back your historical usage records without any subjective judgment. If bad credit information has been generated and there is no doubt about the record, it can only be a good repayment habit in the follow-up.