The security level of credit report is divided into five levels: normal, concerned, secondary, suspicious and loss. It is impossible to apply for a loan or credit card after the second grade, but your credit card can be used normally and repaid normally, and you will be fine without malicious overdraft expectation. Have you ever broken a contract? If there is, it will be difficult to get a card. If the debt is paid off within the repayment period, there will be no problem. The intermediate level shown in the credit report may be your credit card, and the credibility of your unit or enterprise belongs to the intermediate level! Special note: If the repayment date has exceeded the unpaid date and exceeded the repayment date, a default record will be generated and uploaded to the credit information center. Generally, after paying off, the records should be tracked for more than 6 years. There was just a record of overdue repayment before 2009, and it is particularly difficult to get a loan now.