After the credit card is cancelled, its record will be kept in the credit report for 5 years, and then it will be cleared automatically. If there is new credit activity during this period, the account cancellation record may be overwritten by the new record after 2 years. It should be noted that bad credit records (such as overdue repayment) will be retained for 5 years after the termination of bad behavior, and then automatically deleted by the credit information system.