Bad credit records shall be kept for five years.

If you want bad credit records to disappear, you must continue to use credit cards with bad credit records, and you can't cancel credit cards with bad credit records. From the date when all credit card debts are paid off, credit cards with bad records will continue to be used for five years without bad records. After five years, bad records will be covered by new good records, and bad records will no longer exist. However, if this credit card with a bad record is cancelled, there will be no new record to cover the bad record, and the bad record will exist forever.

If you have other specific questions, I suggest you call the customer service staff of the bank, hoping to help you.