The retention period of personal bad information by credit reporting agencies is five years from the date of termination of bad behavior or incident, and it shall be deleted after five years. "Five years from the date of termination" means that five years will be deleted only after the arrears are paid off, and if overdue records appear again in these five years, they will be recalculated. Generally speaking, the credit information of the central bank is covered once every five years. Coverage means squeezing out previous overdue records by rolling up new repayment records. However, in the case of overdue payment, such a credit record will always exist, so I suggest you keep a good repayment record.

Reply time: September 3, 2020. Please refer to the latest business changes announced by Ping An Bank in official website.

[Ping An Car Owner Loan] You can get a loan if you have a car, up to 500,000.

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