Category 1: Late repayment or non-repayment. The second category: arbitrage behavior. If the arbitrage behavior is discovered by the bank, the limit will be reduced in mild cases, and the use will be frozen and suspended in serious cases. But it won’t be on the People’s Bank of China’s blacklist. Bad records generated by ordinary credit cards will also be eliminated, but only if no new bad behavior occurs within 5 years.

1. According to the "Credit Reporting Industry Management Regulations", the credit reporting agency's retention period for personal bad information is 5 years from the date of termination of the bad behavior or event; if it exceeds 5 years, it shall be deleted. . "According to the Regulations, as long as the debtor maintains good credit behavior within five years from the date of paying off the loan or card overdraft, the bad information will disappear after five years.

2. The time to eliminate bad records in personal credit reports is not calculated based on the date of overdraft or loan overdue, nor the date of card cancellation, but the date of repayment.

3. If you want to eliminate bad credit records, you must also One way is to eliminate negative records and their impact based on the credit record refresh coverage system. Since credit card records basically only show the records of the last twenty-four months, past records are difficult to query, so when a negative credit card record appears , do not cancel the card, but continue to use the card for consumption, but you must perform repayment on time. As long as you repay on time in the next two years and no new bad records appear, the original negative credit record will be It will be overwritten and a good credit record will be re-formed, so that it will not have a negative impact on your credit behavior.

If you have other specific questions, it is recommended that you call the bank customer service staff and hope that they can be solved. Help you