According to Article 16 of the Regulations on the Administration of Credit Information Industry, the retention period of personal bad information by credit information agencies is 5 years from the date of termination of bad behavior or incident; More than 5 years, should be deleted. During the retention period of bad information, the information subject may explain the bad information, and the credit reporting institution shall record it.

According to Article 18 of the Regulations on the Administration of Credit Information Industry, anyone who inquires about personal information from a credit information agency shall obtain the written consent of the information subject and agree to use it. However, unless the law stipulates that it can be inquired without consent. Credit institutions shall not provide personal information in violation of the provisions of the preceding paragraph.

According to Article 20 of the Regulations on the Administration of Credit Information Industry, information users should use personal information for the purpose agreed with the subject of personal information, not for the purpose beyond the agreement, and not to provide it to a third party without the consent of the subject of personal information.

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The supervisor of the customer service center of a joint-stock commercial bank also said that personal credit card repayment generally has a grace period, and the cardholder's repayment exceeding 1 to 3 days will not be overdue, but it is necessary to communicate with the bank credit card center in time.

The 5-year retention period begins after repayment. Don't think that bad records will disappear automatically after 5 years, and you don't have to pay back the money you owe. Don't think that canceling the card after repayment can eliminate bad records. At present, the public can check their credit reports for free twice a year through the branches of the central bank at all levels and the personal credit service network platform of the credit center.

? Baidu Encyclopedia-Regulations on the Administration of Credit Information Industry

People's Daily Online-Central Bank Credit Information Center: The retention period of bad records is still 5 years.