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, which cannot be tampered with. If you have used China Merchants Bank Credit Card before, we will not make any bad comments on your usage record, but only truthfully feedback your historical usage record without any subjective judgment. The Regulations on the Administration of Credit Information Industry stipulates that the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or events; If it is more than 5 years old, it should be deleted (for details, see/zwwk/213-1/29/content _ 2322231.htm). When you handle new business, the relevant departments will generally give priority to recent consumption and repayment records.