No.

In fact, not every credit card consumption will be reflected in the credit report.

The credit information system mainly displays the cardholder’s monthly repayment status, such as whether it is overdue, the number of overdue days, whether the repayment is normal, etc. As for specific matters such as everyone’s daily consumption, it is not It will appear on the credit report. If you want to check the consumption record of each credit card, you can follow the card review on WeChat. After entering your name, ID card, and bank card, you can get a trustworthy credit card consumption report.

The credit record is dynamically updated. If the card is still in use but the repayment schedule is not available, the new record will be updated from the previous one to the later one. If there is a good past record, other loan categories can be made within 2 years. , in completely fine years. But there is a credit card record left on the last overdue credit card, so there is nothing we can do. The so-called paying off the credit record is a lie.

Extended information:

The information recorded in the credit reporting system includes positive and positive information, as well as some negative information. This mainly includes failure to repay the principal and interest within the time required by the contract after entering into a loan relationship with a bank. Default and non-repayment of the loan will be truthfully reflected in the credit record, which will have a negative impact on personal credit.

According to Article 14 of the "Regulations on the Administration of the Credit Reporting Industry": Credit reporting agencies are not allowed to collect personal income, deposits, securities, commercial insurance, real estate information and tax amount information. However, this is an exception unless the credit reporting agency clearly informs the information subject of the possible adverse consequences of providing the information and obtains its written consent.

Baidu Encyclopedia-Credit Industry Management Regulations